Share Certificates
Grow your savings with local support.
Lock in a competitive rate for a set term and grow your savings with confidence. Alltrust Credit Union offers share certificate options for members in Massachusetts and Rhode Island.
Earn steady returns with low market risk.
If you want to grow your money but do not need immediate access to your full balance, an Alltrust Share Certificate can help you earn a fixed return over a set term. Choose the option that fits your savings timeline and goals.
Lock in and earn a fixed dividend rate for the certificate term.
Select from available terms based on your savings goals.
Grow your savings without exposure to market volatility.
Explore share certificate options.
Share Certificates
Steady growth. Flexible terms. Whether you’re saving for the down payment on your first home or planning your dream vacation, get there faster with a term that fits your needs.
College Saver Certificate
A simple solution for a smart investment. It’s never too early to start saving for college. Help your child get a head start with this special certificate designed for our Youth Account members.
Certificate options and rates.
| Type | Minimum Balance* | Dividend Rate | Annual Percentage Yield (Dividends Compounded Monthly) |
|---|---|---|---|
| 5 Month Special Certificate*** | $1,000.00 | 3.59% | 3.65% |
| 10 Month Special Certificate*** | $1,000.00 | 3.49% | 3.55% |
| 6 Month | $500.00 | 0.20% | 0.20% |
| 12 Month | $500.00 | 0.25% | 0.25% |
| 12 Month College Saver Certificate** | $500.00 | 0.25% | 0.25% |
| 18 Month | $500.00 | 0.25% | 0.25% |
| 24 Month | $500.00 | 0.35% | 0.35% |
| 36 Month | $500.00 | 0.50% | 0.50% |
| 48 Month | $500.00 | 0.60% | 0.60% |
| 60 Month | $500.00 | 0.65% | 0.65% |
Minimum Balance*
$1,000.00
Dividend Rate
3.59%
Annual Percentage Yield
(Dividends Compounded Monthly)
3.65%
Minimum Balance*
$1,000.00
Dividend Rate
3.49%
Annual Percentage Yield
(Dividends Compounded Monthly)
3.55%
Minimum Balance*
$500.00
Dividend Rate
0.20%
Annual Percentage Yield
(Dividends Compounded Monthly)
0.20%
Minimum Balance*
$500.00
Dividend Rate
0.25%
Annual Percentage Yield
(Dividends Compounded Monthly)
0.25%
Minimum Balance*
$500.00
Dividend Rate
0.25%
Annual Percentage Yield
(Dividends Compounded Monthly)
0.25%
Minimum Balance*
$500.00
Dividend Rate
0.25%
Annual Percentage Yield
(Dividends Compounded Monthly)
0.25%
Minimum Balance*
$500.00
Dividend Rate
0.35%
Annual Percentage Yield
(Dividends Compounded Monthly)
0.35%
Minimum Balance*
$500.00
Dividend Rate
0.50%
Annual Percentage Yield
(Dividends Compounded Monthly)
0.50%
Minimum Balance*
$500.00
Dividend Rate
0.60%
Annual Percentage Yield
(Dividends Compounded Monthly)
0.60%
Minimum Balance*
$500.00
Dividend Rate
0.65%
Annual Percentage Yield
(Dividends Compounded Monthly)
0.65%
*Minimum Balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). The dividend rate and interest rate may change at any time without prior notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals.
**College Savers Certificate available to Youth Savings and Youth Checking members only. Periodic deposits of $25 or more are accepted.
***Special certificates are not to be combined with any other offer. Penalty for early withdrawal. Fees could reduce earnings.
Frequently asked questions
A share certificate is a credit union savings option that lets you deposit money for a set term and earn a fixed dividend rate during that term. It is similar to a certificate of deposit, or CD, offered by a bank.
Some certificate options may not allow additional deposits after opening, while others may allow specific deposit activity. Review the details for the certificate you choose before opening the account.
When a certificate reaches maturity, you typically have a set period of time to withdraw funds, renew, or choose another savings option. Alltrust can help you understand your options before the maturity date.
Yes, Alltrust Credit Union members deposits are insured to at least $250,000 by the National Credit Union Share Insurance Fund (NCUA), a federal insurance fund backed by the full faith and credit of the U.S. Government. And, Alltrust Credit Union member accounts are fully insured over the $250,000 federal limit by the Massachusetts Credit Union Share Insurance Corporation (MSIC). For more information, please visit https://www.alltrustcu.org/share-deposit-insurance-info/
The College Saver Certificate is designed for Youth Account members who are saving for future education expenses. It can help young savers build funds over time with a certificate option created for that goal.
