Earn While You Save
Share Certificates are a reliable, secure, low-risk way to grow your savings. Share Certificates are the credit union version of banks' Certificates of Deposit (CDs), offering a fixed term and better rates than traditional checking accounts. JHFCU offers a variety of terms starting at 5 months, with minimums as low as $500.Share Certificate Rates
| JUMBO CERTIFICATES | ||||||
| Term | Min. Balance to Obtain APY | APY* | Dividend | |||
| 6 months | $50,000 | 4.37% | 4.30% | |||
| 12 months | $50,000 | 4.44% | 4.37% | |||
| 24 months | $50,000 | 4.19% | 4.13% | |||
| 36 months | $50,000 | 3.90% | 3.84% | |||
| 48 months | $50,000 | 3.83% | 3.78% | |||
| 60 months | $50,000 | 3.91% | 3.85% | |||
| *APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of April 1st, 2024. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. | ||||||
| IRA SHARE CERTIFICATES | ||||||
| Term | Min. Balance to Obtain APY | APY* | Dividend | |||
| Special - 5 months | $500 | 4.75% | 4.64% | |||
| 6 months | $500 | 4.27% | 4.18% | |||
| Special - 11 months | $500 | 4.50% | 4.40% | |||
| 12 months | $500 | 4.26% | 4.17% | |||
| 24 months | $500 | 4.19% | 4.10% | |||
| 36 months | $500 | 3.70% | 3.63% | |||
| 48 months | $500 | 3.82% | 3.75% | |||
| 60 months | $500 | 3.87% | 3.80% | |||
| Rollover Share Certificate - 18 Months** | $5000 | 3.70% | 3.63% | |||
| *APY=Annual Percentage Yield. Rates are subject to change. The Annual Percentage Yields (APYs) are accurate as of April 1st, 2024. Fees could reduce the earnings on the accounts. Early withdrawal penalty may be imposed. JHFCU is a member-owned financial cooperative which pays dividends based upon available earnings. Federal regulations prohibit the payment of dividends in excess of earnings. **Available for IRA proceeds transferred from another IRA custodian only (NOTE: Inherited IRAs are ineligible for deposit to the IRA Rollover Certificate.) | ||||||
When you purchase a
Share Certificate you'll get:
✔
Guaranteed Returns
With a Share Certificate, you're locking in a fixed rate for the duration of your term, ensuring growth.
✔
Flexibility
Choose from a range of term lengths that work best for your goals. Consider selecting a series of certificates to “ladder” your maturities.
✔
Higher Yields
Enjoy higher yields compared to a regular savings account, allowing your money to work harder for you.
✔
Security
Federally insured by the NCUA up to $250,000, your money is safe and secure when you invest in a certificate with us.
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★★★★★
""If you are affiliated with Hopkins, open an account here… I wish I had opened an account and explored their services a long time ago when I started my studies at Hopkins. But it's never too late!" "
– Alireza M., Baltimore, MD