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Share Certificates

Open a share certificate online

An alternative to a regular savings account, a share certificate earns higher rates with a fixed rate of return, providing you with a great opportunity to save for major life events. With terms between three months up to five years, and starting with as little as $500, the share certificate gives you higher earning potential. Benefits include:

  • 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 have the ability to lock your money for a specified time
DEPOSIT TYPE MINIMUM BALANCE** DIVIDEND RATE APY* DIVIDEND PERIOD
7 Month † $5,000 3.75% 3.82% Monthly
9 Month † $5,000 4.25% 4.33% Monthly
3 Month $500 1.00% 1.00% Monthly
6 Month $500 1.50% 1.51% Monthly
1 Year $500-$9,999.99 1.95% 1.97% Monthly
1 Year $10,000-$24,999.99 2.00% 2.02% Monthly
1 Year $25,000 & Over 2.05% 2.07% Monthly
2 Year $500-$9,999.99 2.35% 2.38% Monthly
2 Year $10,000-$24,999.99 2.40% 2.43% Monthly
2 Year $25,000 & Over 2.45% 2.48% Monthly
3 Year $500-$9,999.99 2.40% 2.43% Monthly
3 Year $10,000-$24,999.99 2.45% 2.48% Monthly
3 Year $25,000 & Over 2.50% 2.53% Monthly
4 Year $500-$9,999.99 2.45% 2.48% Monthly
4 Year $10,000-$24,999.99 2.50% 2.53% Monthly
4 Year $25,000 & Over 2.55% 2.58% Monthly
5 Year $500-$9,999.99 2.50% 2.53% Monthly
5 Year $10,000-$24,999.99 2.55% 2.58% Monthly
5 Year $25,000 & Over 2.60% 2.63% Monthly

Rates as of April 12, 2023.
Rates may change after the account is opened. 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 March 22, 2023, are subject to change, and available for a limited time. 7 month term: minimum of $5,000 to open. 9 month term: minimum of $5,000 to open and entire certificate must be funded by new money to Kohler Credit Union. Penalty for early withdrawal. Fees could reduce earnings on account. Other rates and terms available. Some restrictions and exclusions apply. The 7 month and 9 month certificates renew automatically to a standard 6 month certificate at the rates in effect at the time of renewal. Federally insured by the NCUA. Membership eligibility and membership is required.