Kelly Community will be closed Monday, May 27 in honor of Memorial Day. Our digital services are open even when our locations are not. 

“May we never forget our fallen comrades. Freedom isn’t free.” – Sgt. Major Bill Paxton

Share Certificate

Put your money to work for you!

Earn money on a Share Certificate.

What is a Share Certificate? A Share Certificate is a deposit account with a set term and higher dividends.

Prepare for the future by saving more at a higher interest rate.

With as little as $1,000, Kelly Community members can invest in Share Certificates and maximize their earnings. A Share Certificate is the credit union version of a Certificate of Deposit (CD) you might get from a bank. It gives you the benefit of higher returns when you agree to set aside your money for a specific amount of time.

How it works.

This account requires a minimum deposit of $1,000. In order to earn higher dividends, you’ll also need to agree to a specific term length in which you won’t touch the money. If you withdraw funds early, you’ll get a fee. We also have special rates for our “Kidicate Certificates”. These are for children 16 and under, and require a social security number. They can be opened for as little as $100 or as much as $100,000.00, for a term of 24 months. They always earn 1% above our regular 2 year certificate.

“Kelly Community Federal Credit Union is who I trust with my finances. From my savings to my mortgage, the staff at KCFCU are friendly and helpful to assist me with my banking needs.”
– Skyla B.

We’re with you for the long-haul.

Kelly Community is locally owned, locally operated, and we have a proud 50+ year history of serving our East Texas community. We’re not interested in over-promising half-baked perks. Instead, what we offer you is simple: a reliable credit union with great rates and unbeatable service.

Great credit union. Great low rates.

Share Certificates
Term Dividend Rate APY* Minimum Balance
3 Month Certificate 4.88% 5.00% $1,000.00
6 Month Certificate 4.88% 5.00% $1,000.00
12 Month Certificate 4.64% 4.749% $1,000.00
18 Month Certificate 4.05% 4.13% $1,000.00
24 Month Certificate 3.79% 3.86% $1,000.00
36 Month Certificate 2.45% 2.480% $1,000.00
48 Month Certificate 2.50% 2.53% $1,000.00
60 Month Certificate 2.55% 2.58% $1,000.00
*Annual Percentage Yield
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