Share Certificates

Seeking a higher return on your money without much risk?

Consider an IDB Global Federal Credit Union Share Certificate! It is a safe and secure investment that can provide you with higher yielding options no matter what you are saving for.

CURRENT RATES

Limited-Time Offer:

Earn a 0.25% APY BOOST* when external

funds are deposited into one of our high-yield

Share Certificates — earn up to 4.05% APY!

Boost your savings between July 1 - July 31.

How It Works - It is Simple:

1. Transfer funds from another financial institution or
set up a new direct deposit to your Credit Union account.
2. Open a Share Certificate with at least $1,000.
3. Choose a term of 12, 18, 24, or 36 months.
4. Enjoy a 0.25% APY boost on our competitive rates.

Do not miss out — this offer ends July 31!

*APY = Annual Percentage Yield. Limited Time Offer. This offer is available at the discretion of IDB Global Federal Credit Union management and is valid from July 1 to July 31. Offer applies to new money only, defined as funds transferred into the Credit Union from an external financial institution (via wire, ACH, or check) during the promotional period, or by establishing a new direct deposit relationship maintained for at least three months. Transfers from existing Credit Union accounts do not qualify. Funds previously held on deposit at IDB Global Federal Credit Union that were transferred out and redeposited within the promotional period do not qualify as new money. The dividend rate applies for Share Certificates opened with 100% of funds deposited from an external account on or after July 1, 2025. We reserve the right to verify the source of funds and disqualify deposits that appear to be circular or intended to circumvent new money requirements. Offer is subject to change without notice. Primary membership eligibility is required. To open a certificate, a minimum deposit of $1,000 is required, and a $1,000 balance must be maintained to earn the disclosed Annual Percentage Yield (APY). The dividend rate and APY are fixed for the term. Early withdrawals may result in penalties and will reduce earnings.

Full disclosures here

5 Reasons to Open a Share Certificate Account with us

You can open it with as little as $1,000.
We offer a wide variety of terms ranging from six months to seven years.
Dividend rates are guaranteed for the investment term.
You have the option to reinvest your dividends in the same certificate or have them paid to a separate account each month.
Your funds are insured under the National Credit Union Share Insurance Fund.*

open secondary account

*Your savings are federally insured to at least $250,000 and backed by the National Credit Union Administration, a U.S. Government agency.

How do Share Certificates Work?

A Share Certificate is a fixed-rate, fixed-term savings account issued by a credit union. Share Certificate Rates are measured in Annual Percentage Yields, also known as APY. Naturally, the APY varies depending on the amount of the certificate and the length of the certificate term.

Step Up Option

Concerned about tying up your funds? Don’t worry. Open a Step-Up Certificate and you’ll have the option of increasing your rates if they rise during your certificate term.

IDB Global Federal Credit Union