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Share Certificates

Keep your savings safe with a dividend rate that pays


Our Share Certificates can help you reach your financial goals and maximize your earnings with high-yield, fixed rates. The best part is, once you open one of our Share Certificates, all you have to do is sit back, relax, and watch your money grow.

Your money will earn a steady APY and you won't have to worry about your rate changing during the course of your term, no matter what happens in the market. You can open as many accounts as you want, so you don't have to choose between short or long-term options. You can do both!

*APY = Annual Percentage Yield. Share Certificate rates are reviewed weekly and are subject to change. A $500 minimum is required for all Share Certificate Accounts. Share Certificates are subject to penalty for early withdrawal. APY is accurate as of the last dividend declaration date. Fees may reduce earnings on Share Certificate Accounts.

BUMP Certificates

Give your rate a one-time Boost! Lock in a great rate now with a one-time option to BUMP UP to a better rate during the term of your certificate.

*APY = Annual Percentage Yield. This offer, including both stated APYs, is effective as of September 18, 2023. The Credit Union reserves the right to end or modify this offer at any time. 24 Month and 36 Month Bump Certificates require a $5,000 minimum opening deposit. During the term noted for either bump certificate, there will be a one-time only option for a member to increase to a better rate during that term. This increase will be limited to a maximum of up to 50 basis points. Rates matched by the Credit Union are limited to those comparable to only state and local financial institutions. Early withdrawals prior to maturity are subject to penalty. Early withdrawals will reduce earnings. Additional deposits may not be made to the certificate accounts during their certificate terms. All certificates require a $500 minimum balance. Certificates with balances that go below $500 are subject to closure. Certificate rates are reviewed weekly and are subject to change. All terms and conditions are subject to change without notice. Federally insured by NCUA. Fees may reduce earnings on Certificate Accounts. All terms and conditions noted are valid only for the 24 Month and 36 Month Bump certificates and are not valid on existing 24 Month and 36 Month certificates.

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Personal Checking Accounts

Unique accounts to fit your unique needs.

Transcend Credit Union has a variety of personal checking accounts to accommodate your lifestyle.