Earn more on the money you set aside
Lock in a fixed rate with a share certificate and give your savings a steady, predictable way to grow.
Find the certificate that fits
From personal goals to retirement, there’s an option for whatever you’re working toward.
Share Certificate
Set aside money you won’t need right away and let it keep working toward your goal.
- Terms from 3 to 48 months
- Begin with $2,000 or more
- Fixed rate for the full term
Youth Share Certificate
Give someone under 18 a head start on a first car, school expenses, or whatever they’re dreaming about next.
- Start with $1,000 or more
- Lock in a fixed rate
- Choose a term from 3 months to 4 years
IRA Share Certificate
Bring a little more predictability to retirement savings with a fixed-rate IRA Share Certificate.
- Unique tax advantages
- 3- to 48-month term options
- Your rate stays the same from start to finish
Earn 4.25% APY with a 14-month certificate1
Open with $5,000 or more and give the money you’ve set aside a little more room to grow toward what matters.
Why choose a Linden share certificate
A competitive rate is only part of the story. We take the time to understand what’s important to you.
- Help staggering certificate end dates for more flexibility
- A fixed rate, so you know what to expect
- Online convenience, with real people here when you need them
- Local roots and a long history of putting members first
I have consistently had positive experiences with this credit union. What stands out most is the exceptional customer service. The staff knows me by name, takes time to answer my questions, and has helped me with checking, savings, CDs, and money market accounts. They clearly explain my options and ensure I feel confident in my financial decisions. It is refreshing to collaborate with a team that genuinely values its members and goes the extra mile. I highly recommend this credit union to anyone seeking a financial institution that puts their members first.
- Marlene R
- Linden CU Member
Current Certificate Rates
| Term | Rate | APY1 |
|---|---|---|
| SPECIAL: 14 Month Certificate *$5,000 minimum deposit | 4.169% | 4.25% |
| 3 Month Certificate | 0.995% | 1.00% |
| 6 Month Certificate | 1.144% | 1.15% |
| 12 Month Certificate | 2.716% | 2.75% |
| 18 Month Certificate | 2.813% | 2.85% |
| 24 Month Certificate | 2.960% | 3.00% |
| 36 Month Certificate | 3.203% | 3.25% |
| 48 Month Certificate | 3.203% | 3.25% |
1APY = Annual Percentage Yield. The minimum balance required to obtain the APY for a certificate is $2,000. The minimum balance required to obtain the APY for children under the age of 18 is $1,000. Rates subject to change daily.
Certificate questions, answered.
How does a share certificate work?
You choose the amount you’d like to deposit and the certificate term that fits your goals. Your dividend rate is locked in for the entire term, giving you predictable earnings and peace of mind.
What’s the difference between a certificate and a savings account?
With a regular savings account, you can add or take out money as needed. A share certificate is meant for money you can set aside for a certain amount of time. In return, you get a fixed rate that is often higher than regular savings.
What if I need my money before the certificate term ends?
You can take money out early, but you might have to pay an early withdrawal penalty. Talk with us first, and we’ll help you understand your options and how they could affect your savings.
How does an IRA certificate work?
An IRA Certificate offers a way to grow your retirement savings with a fixed rate over a set term. You’ll have predictable earnings with an IRA Certificate, giving you peace of mind as you gear up for retirement. If you’re looking to conserve your established retirement savings rather than just starting out, an IRA Certificate might be the right fit.
Wherever you’re starting, we’ll start there with you.
