Source: https://www.connexuscu.org/accounts/share-certificates
Read: 2026-10-22T05:11:30.000Z

Open site
Search
Rates
Pay my loan
Contact Us
Accounts
Loans
Services
About
Open an account Log in
CERTIFICATES
High yields. Less risk. Future security.
Protect your financial future with a reliable deposit option.
Apply today
Questions? We can help.
Book a call
COMPARE CERTIFICATES
Certificate account options
Certificates are the credit union’s version of traditional CDs (Certificates of Deposit), offering the same benefits — guaranteed returns, fixed terms, and low risk.
Explore our Certificate options in the table below to find the one that best fits your savings goals.
 | Regular Certificates | Jumbo Certificates | Bump-Up Certificate
Rate | Up to 4.00% APY‍1 | Up to 3.10% APY‍2 | Up to 2.00% APY‍3
Term | Starting at 6 months | Starting at 6 months | 24 months
Minimum Deposit | $5,000 | $100,000 | $5,000
Consider if | You want a steady way to grow your savings with a low minimum deposit | You’re investing a larger amount and want a higher return | You want a one-time rate increase in case rates go up
 | View rates | View rates | View rates
CERTIFICATE ADVANTAGES
Why choose Connexus Certificates?
Competitive returns
Whether you’re spending, saving, or a bit of both, enjoy nationally competitive rates on a full range of deposit products, including our Xtraordinary Checking!
$5,000 minimum deposit
You don’t need a large minimum deposit to start taking advantage of our high yields. However, if you have $100,000 or more, open a Jumbo Certificate to maximize your returns.
Available across the U.S.
Not a Connexus member? That’s okay. You can become a member in minutes. Learn more about membership here.
Safe & secure
Your money is federally insured by the National Credit Union Administration (NCUA) to at least $250,000. Learn more about how NCUA insurance works and estimate your coverage at MyCreditUnion.gov.
BLOG
Learn more about Certificates
What’s the Difference, Anyway? A Beginner’s Guide to CDs and Share Certificates
You’ve probably heard of Certificates of Deposit (CDs), but have you heard of Share Certificates (Certificates)? Many budding investors have heard of both, but they may not understand the differences. Read this article to learn more these common investment tools.
Certificate Laddering: How to Make Your Money Work Harder
Laddering is a strategy used by the most financially savvy Certificate investors. Find out why it works and how to create your own ladder.
Credit Unions vs. Banks: What are the Differences?
While there are many similarities, there are also some very key differences. We’ll explain it all, and then you’ll have the info you need to make your choice.
FAQs: You asked. We answered.
General FAQs
How often is the dividend on a Certificate compounded?
Dividends will be posted to your account each calendar quarter. We use the daily balance method to calculate the dividends on your account. This method applies a daily periodic rate to the principal in the account each day.
Throughout the term of the Certificate, dividends will be posted on the last day of March, June, September, and December. Dividends will be automatically reinvested into the Certificate; however, you can request to have the dividends automatically posted to another Connexus account quarterly.
Are there penalties for withdrawals before the maturity date?
A penalty may apply if you withdraw funds before the Certificate maturity date.
If your account has an original maturity date of one year or less, the penalty will equal 90 days of dividends on the amount withdrawn subject to penalty.
If your account has an original maturity date of more than one year but less than five years, the penalty will equal 180 days of dividends on the amount withdrawn subject to penalty.
If your account has an original maturity date of five years or greater, the penalty will equal 365 days of dividends on the amount withdrawn subject to penalty.
Is a Certificate the same as a certificate of deposit (CD)?
Not exactly. Although the two products are similar in structure, the key difference is where they are offered. CDs are available through for-profit banks, while Certificates (sometimes called “Share Certificates”) are offered through not-for-profit, member-owned credit unions like Connexus.
There are also differences in insurance. Although the federal government backs both CDs and Certificates, the FDIC insures banks and the NCUA insures credit unions.
Are Connexus Certificates insured?
Yes. The NCUA’s Share Insurance Fund insures individual accounts at federally insured credit unions to at least $250,000. The fund is administered by the NCUA and is backed by the full faith and credit of the United States.
How long are the terms for Certificates?
Like CDs, regular Certificates typically have fixed terms ranging from one to five years.
Do Certificates offer good rates?
Yes. Certificates offer competitive yields, and the returns are guaranteed. Use our Certificate Earnings Calculator to estimate your returns. Then, see our current Certificate rates to find the term right for you.
Application & Membership
I’m not a Connexus Credit Union member. Can I still open a Certificate?
Yes! We do require you to become a member, but you can join Connexus by opening an account with us. Apply for membership at the same time you apply for your Certificate account.
What information do I need to apply online?
To apply for a Certificate online, you will need the following:
Valid, government-issued photo ID (Acceptable options: Driver’s License, U.S. Military ID, U.S. Passport, U.S. State or Tribal ID, Permanent Resident Card, or a foreign government-issued document evidencing nationality or residence and bearing a photograph).
Applicants without credit history: In addition to a valid, government-issued photo ID, a copy of your signed Social Security Card or ITIN.
Minor Applicants: Valid, government-issued photo ID, if available, and Social Security Card or ITIN (signature on card is not required).
How long will it take for my membership application to be processed?
It may take one to three business days for your application to be processed. You will be notified via email whether your account has been approved. Don’t want to wait? Check your application status now.
Renewal Process
What happens when my Certificate matures?
If you have a standard or Jumbo Certificate, it will automatically renew on the maturity date to the then-current yield.
If you have a Bump-Up Certificate, at maturity it will automatically renew to a new 24-month Bump-Up Certificate at the then-current yield. Your renewed certificate will allow you to bump the yield once during the new term.
Note about our special term Certificates: If you have a “special” Certificate, meaning a Certificate with a term other than 3, 6, 9, 12, 24, 36, 48, or 60 months, the related renewal will be disclosed to you before account opening.
How will I be notified when my Certificate is approaching maturity?
We will send you a Certificate Maturity Notice via mail or, if you are subscribed, via an eNotice in your Digital Banking account’s “Statements and eDocs” section. This notice will contain the official Certificate maturity date.
How do I switch to a different term or add funds to a maturing Certificate?
Your Certificate has a grace period of ten (10) calendar days after maturity during which you can make changes or withdraw funds without penalty. During this 10-day window, please call 800.845.5025 to receive assistance or make an appointment at a branch. You can also send a message through Digital Banking.
Jumbo Certificates
What’s a Jumbo Certificate?
Jumbo Certificates differ from our standard Certificates in that they have a minimum balance requirement of $100,000 (versus $5,000 for our standard Certificates) and generally offer a higher yield. To take advantage of our Jumbo Certificate rates, apply online.
Bump-Up Certificates
What is a Bump-Up Certificate?
A Bump-Up Certificate is a Certificate that offers the account holder a one-time annual percentage yield increase (or “bump”) during the term to the current Bump-Up Certificate yield. This option allows the account holder to take advantage of rising yields, should they increase during the term.
How do I request a rate bump on my Bump-Up Certificate?
You can request that your Certificate be “bumped” to the current 24-month yield by calling our Member Contact Center at 800.845.5025 or stopping in your local branch and returning the necessary form(s). Your bump-up rate increase request will be processed within two (2) business days of making the request and returning the completed form(s). The bump-up interest rate will be effective upon the receipt of the necessary form(s) during business hours.
What happens when my Bump-Up Certificate matures?
When your Bump-Up Certificate reaches maturity, it will automatically renew into a 24-month Bump-Up Certificate at the then-current yield. Your renewed certificate will allow you to bump the yield once during the new term.
IRAs
Do you offer Individual Retirement Account (IRA) Certificates?
Yes, we offer both Traditional and Roth IRAs. Learn more about our IRA options. To get started with an IRA, please call us today.
When can I make changes to my IRA Certificate?
Your IRA Certificate will automatically renew on the maturity date. After maturity, you have a grace period of ten (10) calendar days to make changes, including changing to a different term, adding funds, closing the Certificate, or moving to a new product. For assistance with your IRA Certificate, please call 800.845.5025 or send a message through Digital Banking.
How will I be notified when my Certificate is approaching maturity?
We will send you a Certificate Maturity Notice via mail or, if you are subscribed, via an eNotice in your Digital Banking account’s “Statements and eDocs” section. This notice will contain the official Certificate maturity date.
Disclosures
APY = Annual Percentage Yield
See our Fee Schedule for a list of fees you may encounter.
Rates are accurate as of 10/21/2026 and are subject to change. Connexus Credit Union membership and $5,000 minimum deposit required. A penalty will be imposed for early withdrawal. Offer not valid on business or organization accounts.
Rates are accurate as of 10/21/2026 and are subject to change. Connexus Credit Union membership and $100,000 minimum deposit required. A penalty will be imposed for early withdrawal. Offer not valid on business or organization accounts.
Rates are accurate as of 10/21/2026 and are subject to change. Connexus Credit Union membership and $5,000 minimum deposit required. A penalty will be imposed for early withdrawal. Offer not valid on business or organization accounts. Bump-Up Certificates allow a one-time rate increase during the original term plus a one-time rate increase during each subsequent term. You must exercise the bump-up rate increase option during the then-current term. Please see the Truth-in-Savings disclosure for more information.
+ Expand
Member Resources
Make a payment
Report lost card
Forms
About Connexus
About us
Become a member
Careers
More
Privacy
Disclosures & fees
Sitemap
800.845.5025
Location & ATMs
Contact Us
Routing #: 275982296
© 2026 Connexus Credit Union. All Rights Reserved | NMLS ID: 649316