Share Certificates

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Earn While You Save

Share Certificates are a reliable, secure, low-risk way to grow your savings. Share Certificates are the credit union version of banks' Certificates of Deposit (CDs), offering a fixed term and better rates than traditional checking accounts. JHFCU offers a variety of terms with minimums as low as $500. Start growing your savings today!

Share Certificate Rates

SHARE CERTIFICATES
Term Min. Balance to Obtain APY APY* Dividend
6 months $500 3.91% 3.85%
12 months $500 4.06% 4.00%
24 months $500 3.72% 3.67%
36 months $500 3.70% 3.65%
48 months $500 3.55% 3.50%
60 months $500 3.66% 3.61%
*APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of April 1st, 2025. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings.

JUMBO CERTIFICATES
Term Min. Balance to Obtain APY APY* Dividend
6 months $50,000 3.91% 3.85%
12 months $50,000 4.10% 4.04%
24 months $50,000 3.73% 3.68%
36 months $50,000 3.74% 3.69%
48 months $50,000 3.55% 3.50%
60 months $50,000 3.66% 3.61%
*APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of April 1st, 2025. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings.

 IRA SHARE CERTIFICATES
Term Min. Balance to Obtain APY APY* Dividend
6 months $500 3.91% 3.84% 
12 months $500 4.06% 3.98%
24 months $500 3.72% 3.65%
36 months $500 3.70% 3.63%
48 months $500 3.55% 3.49%
60 months $500 3.66% 3.59%
Rollover Share Certificate - 18 Months** $5000 3.70% 3.63%
*APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of April 1st, 2025.  Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings.
**Available for IRA proceeds transferred from another IRA custodian only (NOTE: Inherited IRAs are ineligible for deposit to the IRA Rollover Certificate.)  

When you purchase a
Share Certificate you'll get:

✔

Guaranteed Returns

With a Share Certificate, you're locking in a fixed rate for the duration of your term, ensuring growth.

 

✔

Flexibility

Choose from a range of term lengths that work best for your goals. Consider selecting a series of certificates to “ladder” your maturities.

 

✔

Higher Yields

Enjoy higher yields compared to a regular savings account, allowing your money to work harder for you.

 

✔

Security

Federally insured by the NCUA up to $250,000, your money is safe and secure when you invest in a certificate with us.

 

 

Send a secure message in Online Banking, call or visit us at a branch to open a Share Certificate today!

★★★★★

""If you are affiliated with Hopkins, open an account here… I wish I had opened an account and explored their services a long time ago when I started my studies at Hopkins. But it's never too late!" "

– Alireza M., Baltimore, MD

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Share Certificate FAQs

  • What’s the difference between a share certificate and a CD (certificate of deposit)?
    The only difference between share certificates and certificates of deposit is that share certificates are issued by credit unions, while certificates of deposit are issued by banks. Share certificates are federally insured by the NCUA while the FDIC insures CDs at banks.
  • How do share certificates differ from regular savings accounts?
    A share certificate is a type of savings account with a fixed APY for a specific length of time in which no withdrawals or deposits are made. A regular savings account is more accessible, but the APY is typically not as high as a share certificate.
  • What happens when my share certificate matures?

    Your share certificate will automatically renew at maturity for the same term at the current rate offered. If your current certificate is a promotional certificate, it will renew to the next highest available term at the rate associated with that term. No action is required on your part!

    If you would like to select a different term for your certificate or transfer the funds to your Share Savings account, please contact us before or within 10 calendar days after maturity.

  • Can I add more money to my share certificate after the initial deposit?
    No. The minimum deposit needed to open a share certificate is $500; once your account is established, you cannot make additional deposits to the account.
  • Is there a penalty if I withdraw my money early?
    Yes. We will impose a penalty equivalent to 180 days worth of dividends if funds are withdrawn prior to the maturity date. Any penalty imposed may have the effect of reducing the principal balance of the account.
  • How are dividends calculated and credited?
    Dividends will be earned daily for each day the balance equals or exceeds the minimum daily balance requirement for the account. The dividend period is quarterly, and dividends will be compounded and credited quarterly. For Individual Retirement Accounts, the dividend period is monthly, and dividends will be compounded daily and credited monthly.