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Share Certificates

When you join a credit union, you become a part owner. That’s why credit union CDs are called Share Certificates.


Open a Share Certificate

  • 1

    Join Fibre Federal Credit Union

    Open a Share Savings Account with just $5.

  • 2

    Choose Your Certificate Account

    Select the Share Certificate that matches your goals and make the minimum deposit.

  • 3

    Watch Your Balance Grow!

    Choose term lengths of 6 to 60 months then sit back and start earning dividends!

Get Started

I love working with Fibre Federal Credit Union. They have been a blessing to me. They make everything easy as possible for their members.

— Debbie L.

Why Choose Fibre Federal?

When you become a member of the Fibre Family, you become an owner. We exist to serve our community – not outside stockholders. We're not-for-profit so we can pass our revenue back to you through better rates and lower fees.

Membership is open to people in select counties of Washington and Oregon. You may also join if someone in your immediate family or household is a member, or if you're a business or organization based in our service area.

We know you'll enjoy our friendly local service and quality products like our certificate accounts. Take advantage of everything we have to offer today!

Certificate Accounts FAQ

  • These two savings tools are the same, except they’re provided by different types of financial institutions. Credit unions often use the name Share Certificates because our members are part-owners who each own a share of the credit union. Certificate of Deposit is the common name for this product from a bank.

    Credit unions can pass revenue back to members in the form of higher rates on deposits, lower rates on loans, and reduced fees. Banks are usually accountable to outside stockholders.

  • CDs and Share Certificates offer several advantages over regular savings accounts, money markets, and even IRAs. Here’s what you need to know:

    • They often earn higher certificate rates than other savings tools, especially if you choose a longer term or take advantage of any special promotions.
    • Their term and early withdrawal penalty provide a good incentive for you to save and achieve your goals, whereas other high-interest accounts like Money Markets let you withdraw funds easily.
    • Compared to individual retirement accounts (IRAs), you can access your funds sooner and you get to choose when you access your funds, whereas IRAs tend to have more restrictions on withdrawals.

    Like other credit union deposit accounts, you can relax knowing your certificate funds are insured by the National Credit Union Administration (NCUA) up to $250,000.

  • When choosing your certificate term, consider when you want to access your funds and any other reasons why you might need the money. Here are a few tips and tricks to help you get started:

    • Longer terms generally earn higher rates, but check if there are any promotional certificates offering great rates on certain terms for a limited time.
    • Before you sign up for a long term, make sure you have another source of emergency funds so you won’t need to access your share certificate before the maturity date.
    • If you have enough money to make multiple opening deposits, consider a share certificate ladder strategy and open a short term, medium term, and long term certificate so you can enjoy the benefits of each one.


  • The end of your term is known as the maturity date. When your certificate matures, you have a few options:

    • Withdraw your funds to spend as planned.
    • Transfer your funds to another type of savings or investment account.
    • Reinvest your funds in another Certificate Account, and ideally one with a higher rate.

    You will likely receive a notification that your term is ending and if you choose to do nothing, your funds may be automatically reinvested in a certificate with the same term as you currently have.

*Annual Percentage Yield (APY).
Rates are effective February 28, 2023 and are subject to change.
Also see terms for accounts.

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