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2 Year Share Certificate now 4.10% APY.

A Share Certificate from Tower can help you earn higher dividends when you commit to saving for a specific period of time. Whether you have a small nest egg or a large sum to invest, it’s a secure way to grow your money risk-free.

  • Earn competitive dividend rates
  • Choose from a variety of term lengths
  • Funds are insured up to $250,000 by the National Credit Union Administration*

We offer multiple Share Certificate options:

  • Special Share Certificates require a minimum balance of $5,000. They are offered for terms of three months, nine months, and eighteen months for a limited time only.
  • Regular Share Certificates offer the most term length options and require the lowest initial deposit, at $500. They are offered for terms of six months, or one to five years
  • Bump-Up Share Certificates allow you to “bump up” to a higher rate once during the term if rates rise. They require a minimum deposit of $5,000 and offer terms of four and five years
  • Mini-Jumbo Share Certificates offer longer terms for greater deposit amounts. The minimum deposit is $20,000 and terms are four and five years
  • Jumbo Share Certificates offer shorter terms on large deposits. At least $100,000 must be deposited for terms ranging from 30 days to one year

We also offer IRA Share Certificate options.

If you have $2,500 or more in savings but want to be able to access your funds without penalty, you may want to consider our Money Market account.


Current Rates

Special Share CertificatesDividend Rate %APY %Minimum to Open
3 month1.241.25$5,000
9 month3.063.10$5,000
18 month3.693.75$5,000
Regular Share Certificates
6 month1.831.85$500
1 year3.453.50$500
2 year4.024.10$500
3 year2.522.55$500
4 year2.622.65$500
5 year2.672.70$500
Bump-Up Share Certificates
4 year Bump-Up2.372.40$5,000
5 year Bump-Up2.422.45$5,000
Mini-Jumbo Share Certificates
4 year Mini-Jumbo2.672.70$20,000
5 year Mini-Jumbo2.762.80$20,000
Jumbo Share Certificates
30 - 90 days1.141.15$100,000
91 - 182 days1.291.30$100,000
183 - 273 days3.113.15$100,000
274 - 365 days3.503.55$100,000
Rates effective: 2/1/2023
APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Fees can reduce earnings. Rates are subject to change. Withdrawal of the Share Certificate funds before the maturity date will incur an early withdrawal penalty.

The 3 month, 9 month, and 18 month Share Certificates will automatically renew at the next highest term Share Certificate unless the funds are withdrawn at maturity. The 3 month, 9 month, and 18 month Share Certificates are not offered on Individual Retirement Accounts.

* Learn more about your NCUA share insurance protection.

Open an Account

If you are a current Tower member, you can open a Regular, a Bump-Up, or a Mini-Jumbo Share Certificate by logging into Home Banking.  All Share Certificates can be opened by visiting a Tower branch or by calling our Member Service Center.

Not yet a member of Tower? See if you are eligible to join.

For further assistance, please visit a branch or call our Member Service Center at 301-497-7000 or 866-56-TOWER.

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