Share Certificates | Homebase Credit Union

Share Certificate Benefits

✔ Competitive Returns: Take advantage of exclusive rates that help your money grow faster over time.

✔ Flexible Terms: Tailor the certificate duration to match your unique financial goals.

✔ Compounding Dividends: The more you save, the more you earn. Dividends accumulating can snowball savings exponentially.

✔ Tax Advantages: Certain certificates might provide tax perks—discuss options with your financial advisor.

Additional Details

A Share Certificate is a savings option that maximizes your returns. It’s ideal for when you want to earn more dividends and can keep your money deposited for a set period.

We offer certificates for 6, 12, 18, 24, 36, and 60-month terms.
$2,500.00 minimum balance required to open.
Early withdrawal penalties apply.
The longer the term, the higher the dividend and APY rates.

Check Out Our Great Rates

Investing in a credit union certificate could earn you higher dividends than regular deposit accounts. Our rates are highly competitive—allowing your money to grow rapidly. View the table below for our latest and greatest Annual Percentage Yields (APYs).

Share Certificate / IRA Certificate

Rates effective as of 10/04/2026

Term	Dividend Rates⁶	APY¹
6 Month	2.50%	2.53%
12 Month	3.70%	3.76%
18 Month	3.60%	3.66%
24 month	3.65%	3.71%
36 Month	3.70%	3.76%
60 Month	3.75%	3.82%

¹ APY = Annual Percentage Yield. Fees could reduce the earnings of the account.

⁶ A Share Certificate requires a minimum balance of $2,500.00 to open and earn dividends. Share Certificate rates are subject to change weekly. Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date. Amount of Penalty. The amount of the early withdrawal penalty for Share Certificate accounts is 180 days of dividends. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. For additional information, please read the Truth in Savings Share Certificate Disclosure.

Membership required to open any deposit account. Non-refundable joining fee of $1 plus $25 savings (share draft) deposit refundable at account closing. Fees could reduce the earnings of the account. See Fee Schedule for details.

It’s as easy as 1-2-3 to get set up!

Step 1

Contact Us

Click the link below or stop by a branch to get started.

Step 2

Fund Your Certificate

Deposit at least $2,500 into your new share certificate account.

Step 3

Watch Your Money Grow!

Sit back, relax, and watch as compound dividends works their magic!

★★★★★

Well-informed people to help you with banking /or Loans/and savings!! People-oriented and friendly and close to tri cities!!

Alfred F., -Prince George, VA

Share Certificates FAQs

What are the available term lengths for savings certificates?

A savings certificate allows you to invest your money with compounded interest for 6, 12, 18, 24, 36, or 60-month terms.

Is my money federally insured in a share certificate?

Yes, share certificates come with National Credit Union Administration (NCUA) insurance protection up to $250,000 per account. The NCUA is part of the federal government and is similar to the FDIC for big banks.

What happens when my share certificate matures?

You can withdraw your money or roll it into a new certificate at the current rates.

How do share certificate returns compare to other options?

Certificates can offer higher dividend earnings than regular savings accounts at Homebase Credit Union.

Can I withdraw money from my certificate early if needed?

You can withdraw your money before the mature date by paying an early withdrawal fee. However, remember that share certificates work best as long-term investments because of their higher dividend rates.

See Your Potential Earnings

Our easy-to-use calculator makes it simple to estimate the future growth of your savings. Just plug in a few key details and it will generate a custom forecast illustrating how your money can work for you over time. The interactive 10-year chart shows your total balance growth every year for ten years.