Have some extra savings and want to earn higher dividends? Consider a share certificate.  A timed deposit for a specific amount, it’s the credit union equivalent of a certificate of deposit (CD).

There are no unknowns when you invest in a Share Certificate. You pick the deposit amount and the term.  As long as you don’t withdraw the funds before the maturity date, you’ll be able to calculate your dividends right from the start. As they say—it’s a sure thing.  And with terms between 6 months and five years, you have a wide range of options.

Our share certificates are federally insured up to $250,000, so you know your money is safe and sound.

TermAnnual Percentage Yield
Under $50,000.00
(Dividends Paid at Maturity)
6 months0.60%
12 months0.70%
24 months0.80%
36 months0.90%
48 months1.00%
60 months1.10%
$50,000.00 & up
(Dividends Paid Monthly)
6 months0.70%
12 months0.80%
24 months0.90%
36 months1.00%
48 months1.10%
60 months1.20%


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Find our branches & ATMs

For the safety of our members, all branch lobbies are temporarily closed.
The Drive-Thrus are open at Nonconnah and Dexter branches in Memphis.

We encourage our members to access their accounts remotely by logging in online, using our mobile app , or by phone at  (800) 228-8513 or (901) 344-2500 within the Memphis area.

Call Center hours:
Mon-Fri, 7:30am-10:00pm central
Sat, 9:00am-5:00pm central
Sun, 9:00am-5:00pm central