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Voyage Federal Credit Union
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Share Certificates

Maximize your savings

It's like a CD at a bank⁠—but with better rates⁠. A Share Certificate can help you save more each month.

Call Today to Open an Account
  • Overview

    How it works

    With a Share Certificate, you deposit your money and pick a “term” to leave it untouched. In exchange, we’ll give you a killer interest rate. The minimum deposit is just $500, and we have lots of term options, starting at just three months. With us, it’s easy to save.

    1. Deposit your money
    2. Leave it untouched for a set “term”
    3. Earn big-time interest

    IRA Certificates also available

    For maximum retirement savings, we also offer IRA certificates. You can open one with an ultra-low minimum deposit of just $250 and get started saving big.

  • Rates


    Rates Effective as of: 11-27-2022

    Share certificates

    TermUnder $10,000 $10,000 +
    6 months 1.20% Div 1.21% APY1.25% Div1.26% APY
    12 months 2.00% Div2.02% APY2.05% Div2.07% APY
    18 months3.00% Div3.04% APY3.05% Div3.09% APY
    24 months3.00% Div3.04% APY3.05% Div3.09% APY
    36 months2.40% Div2.43% APY2.45% Div2.48% APY
    48 months2.60% Div2.63% APY2.65% Div2.68% APY
    60 months2.70% Div2.73% APY2.75% Div2.78% APY

    * $500.00 minimum. Rates are based on qualifications and all rates shown are APY (Annual Percentage Yield) which
    are declared by the Board of Directors and are subject to change. A complete account disclosure is available upon request, and will be provided at account opening.

  • FAQs

    Frequently Asked Questions

    Share Certificates and CDs work exactly the same way. Share Certificate is just the credit union name for this type of account. 
    The minimum deposit is $500.

Open your Share Certificate today

Let's get started. We'll have you squared away in no time.

Call Today to Open an Account

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