Share Certificates

Looking For A Secure Investment For Your Life Savings?

Invest your portfolio in a high-yield, federally insured CityMark Certificate of Deposit (CD). Earn on your terms, with the rate and flexibility you want. Share Certificates are available as IRA CDs as well.

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Benefits

$500 Minimum to open a CD
No monthly maintenance fees
Interest compounded and credited quarterly
Earn higher dividends for larger amounts

Terms

Choose 9, 12, 24, 36, 48, 60-month certificates
Early withdrawal for CDs up to 12 months is 90 days of interest
Early withdrawal for CDs 13 months+ is 180 days of interest

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Withdrawals of Principal Prior to Maturity

Note:

Special Share Certificates may impose unique withdrawal policies; please refer to your specific Share Certificate Agreement and Disclosure Notice for details.

Without Penalty:

Withdrawals may be made without penalty only upon maturity of the account or upon death of the owner of the Share Certificate account; as a result of voluntary liquidation of the federal credit union issuing the account; or if the account is part of a tax-qualified pension plan and withdrawal is made to effect distribution as a result of participant's death, disability, taking an automated periodic distribution after age 59-1/2 or taking a required age 70-1/2 or greater distribution.

With Penalty:

Withdrawals prior to maturity shall incur a penalty on the portion withdrawn, or the entire balance if said balance falls below the minimum balance. The penalties are as follows:

If the term of the Share Certificate is one year or less, the penalty shall be lesser of a) an amount equal to the dividends that would accrue for 90 days on the amount withdrawn or on the entire balance if below the required minimum, or b) an amount equal to the dividends that would accrue on the amount withdrawn since the date of issuance or renewal, but not less than an amount equal to seven days' worth of dividends.

If the term of the Share Certificate is greater than 1 year, the penalty shall be the lesser of a) an amount equal to the dividends that would accrue for 180 days on the amount withdrawn, or on the entire balance if below the required minimum, or b) an amount equal to the dividends that would accrue on the amount withdrawn since the date of issuance or renewal, but not less than an amount equal to seven days' worth of dividends. On partial withdrawals, the first deposit(s) made to the account will be considered as being withdrawn and subject to penalty. Should the early withdrawal amount during the life of the certificate exceed the original balance the Credit Union will require that the entire balance be withdrawn and subject to penalty.