Share Certificates | Baltimore, MD - Hunt Valley, MD | Atlantic Financial FCU
Share Certificates
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Share Certificates


Invest in your future without also investing the time and stress that comes along with other, riskier investments. Our share certificates offer higher rates than regular savings — even higher rates by selecting a longer term.

Know exactly what you're saving and when by selecting from our wide range of terms with fixed dividend rates. We even offer jumbo share certificates for large deposits and step-up share certificates for taking advantage of favorable market shifts. Choose the certificate that works best for you today.

Share Certificates

  • Fixed rates, higher than regular savings
  • Receive an even higher rate by selecting a longer term
  • Locked-in rates provide more guarantee than other risky investments
  • Terms ranging from three months to 5 years available
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • $500 minimum deposit to open (depends on term selected)

Jumbo Share Certificates

  • For share certificates with large balances
  • Earn even higher dividends
  • Dividends compounded and paid monthly
  • 1 to 3 year terms available
  • $50,000 minimum deposit to open

Step-Up Share Certificates

  • Helps you take advantage of favorable shifts in the market
  • One-time rate increase available (upon request) should dividend rates go up
  • Remains at that rate for the duration of the term
  • Must be held for 1 year at rate opened
  • 3 and 5 year terms available (Step-ups not available on Jumbo Certificates)
  • Early withdrawal penalty stiffer than the regular share certificate
  • Minimum deposit to open varies by term

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