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For the Patient Savers

Share Certificate

Share Certificates are a secure and low-risk alternative to a traditional savings account, where your money can grow at a fixed rate. This option is unique because you can earn interest for keeping your money in the account for a fixed period, called a term. Share Certificates reward a depositor with a higher dividend in exchange for a commitment to not make withdrawals during the specified term. The longer the term, the higher the dividend you can yield, making Share Certificates ideal for those looking to accumulate stable, long-term wealth. 

With terms ranging from three months to five years and starting with as little as $500, a Share Certificate offers you the flexibility to choose a term that suits your needs. This higher earning potential allows you to prepare for the big moments and get to the good parts of life. 

Open a Share Certificate Account

Features and Benefits:

  • Stable, secure, and NCUA insured
  • A variety of terms to fit your needs
  • An excellent way to save for vacations, retirement, major purchases or other life events
  • Solid way to save if you can lock your money for a specified time

Share Certificates

Deposit Type Minimum Balance** Dividend Rate APY * Dividend Period
5 Month New Money † $1000 3.93% 4.00% Monthly
3 Month $500 1.25% 1.26% Monthly
6 Month $500 1.75% 1.76% Monthly
1 Year $500 1.75% 1.76% Monthly
2 Year $500 2.00% 2.02% Monthly
3 Year $500 2.05% 2.07% Monthly
4 Year $500 2.10% 2.12% Monthly
5 Year $500 2.20% 2.22% Monthly
Open an Account

APY is accurate as of November 22, 2024 the last dividend declaration date.
Maintenance or activity fees could reduce the earnings on the account. Term share certificates are subject to early withdrawal penalties which may reduce earnings. Membership is required.
*APY equals Annual Percentage Yield.
**Minimum balance required to earn the advertised APY.
†APY = Annual percentage yield. Dividend period is a calendar month and dividends will be compounded monthly and credited monthly. Rates are accurate as of November 13, 2024, are subject to change, and available for a limited time. 5 month term: to receive the 3.93% rate / 4.00% APY a minimum opening deposit of $1,000 with a $500,000 maximum is required and all funds must be new from outside of Kohler Credit Union to fund the certificate. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Some restrictions and exclusions apply. 5 month New Money Share Certificate renews automatically to a standard 6 month certificate at the rates in effect at the time of renewal. Financial institutions and public funds are ineligible. Federally insured by the NCUA. Membership is required.

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HSA

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