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Share & IRA Certificates

Save money and earn interest

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America’s Birthday Special:

Term APY* APR**
250 Day*** 4.00% 3.93%


America’s Birthday Special for Veterans, Active Military, and First Responders¹:

Term APY* APR**
250 Day*** 4.25% 4.17%

The Veterans, Active Military, and First Responders Special is not available to open online.

Secure Savings with Competitive Yields

Lock in higher interest rates than a savings account and avoid the risk of market-based investments with a certificate from Discovery FCU.

Share Certificates

  • Minimum deposit of $100
  • Terms include 6, 9, 12, 18, 24, 36, 48, and 60-months
  • Earn higher interest than a savings account
  • Early withdrawal penalties may apply

IRA Share Certificates

  • Minimum deposit of $100
  • Terms include 6, 9, 12, 18, 24, 36, 48, and 60-months
  • Secure fixed rate
  • May have tax advantages 
  • Early withdrawal penalties may apply

 

VIEW ALL SAVINGS RATES

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share and ira certificates

Put your money to work for you to help you reach your savings goals.

* Dividend Rate is as of 7/1/2025 and subject to change.
** Annual Percentage Yield – assumes dividends remain on deposit and subject to change.
*** Fixed rate for the term of Certificate. Minimum balance requirement of $100.

¹ First Responders include: Firefighter, Law Enforcement, EMT, Ambulance Driver or Paramedic, or 911 Dispatcher. First Responders, U.S. Veterans and active military must show one of the following: proof of employment, volunteer fire fighter department issued ID, military ID, veteran ID Card, or Veteran Health Identification Card. Other forms of proof not listed here may be accepted, please visit or call to discuss. 

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