Share Certificate


Earn 5.40% APY* on a CD.

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.

Term Dividend Rate APY* Minimum Balance
3 Month Certificate 5.26% 5.40% $1,000.00
6 Month Certificate 5.26% 5.40% $1,000.00
12 Month Certificate 5.26% 5.40% $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
Skip to content