Share Certificates

Chartway share certificates allow you to save money at great rates for the term that works best for you.

Whether you have a short or long term savings plan, our share certificates allow you to earn dividends over a period of time that works best for you. The longer the term, the higher rates you get.

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Terms are as short as six months and go to 71 months. Rates are higher than regular savings account rates. Want to watch your nest egg grow even more? Choose automatic renewal, and we’ll keep the savings going!

Share Certificates

Share certificates are a great hands-off way to save while your money earns a rate that’s among the most competitive in the market. Your money is safe in a Chartway share certificate.

IRA Certificates

Open a share certificate as an IRA and take advantage of tax-deferred savings. Unlike some other IRA investments, there are no administrative fees, so all your money stays yours!

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How It Works

All you need to input into the calculator is your

  • Account Balance: How much you will deposit into your share certificate.
  • Certificate Term: The length of time your money will remain in the share certificate. We have a 12 month, 24 month, and 60-month option.
  • Dividend Rate: The percentage you earn based on how much you deposit. This rate will vary depending on your certificate term.

Once you provide that information, our calculator will automatically let you know your future account balance and how much interest you will earn on your initial deposit.

How to Use This Information

You can use the information from our share certificate calculator to determine which certificate term works best and how much you should initially deposit to achieve your savings goals.

This calculator is not intended to provide professional investment advice. The accuracy and applicability of this calculator cannot be guaranteed and should only be used for hypothetical illustrative purposes. We recommend that you get personalized advice from qualified professionals for all personal finance issues.

Share Certificate Rates

Share Certificate Features

Our share certificates offer more benefits than a way to get higher yields on your savings. With every deposit account you also gain access to the following:

Federally insured

Share certificates are federally insured by the National Credit Union Administration (NCUA), a US government agency. Each account is federally insured up to $250,000, so you know your funds are safe and sound.

Low initial opening deposit

You can open a share certificate with as little as $100.

Guaranteed or fixed rate of return

There are no unknowns when you invest in a Share Certificate. You pick the deposit amount, the term, and the rate. As long as you don't withdraw money early, you'll be able to calculate your dividends upon maturity at the onset of your investment.

Early withdrawal

It can be tempting to withdraw money from your share certificate before it matures. Early withdrawals are subject to early withdrawal penalties, which may help to deter taking out your money before the maturity date.

Automatic Renewal Reward

At Chartway, your share certificate will automatically renew at our current rate and in accordance with the original terms and conditions. To thank you for your loyal membership, if you renew your current certificate with Chartway, we will reward you by adding .10% APY¹ to the current posted rates.

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