Share Certificates

share certificates

Time is money. Make the most of it.

Build your savings in a safe product with a competitive, guaranteed fixed interest rate for a set term. If you want your money to earn more than traditional savings, but are wary of investment risks, a Share Certificate might be right for you.   Set up your Share Certificate as either a regular or IRA option, depending on your goals. If you're able to put away even more money, you can benefit from opening several Share Certificates that mature at different times, a strategy known as laddering.

When your Share Certificate matures, you choose to withdraw your money or keep it deposited for another full term.


  • Minimum opening deposit of $500.00
  • Competitive fixed dividend rates.
  • No long-term commitment required – Get flexible terms from 6-months to 60-months.  
  • Funds are fully insured by the NCUA up to $250,000.
  • Any certificates can be used to build your perfect IRA.

View Rates


To open an account, visit or call any TopMark branch 


APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise.  Withdrawal of dividends prior to maturity will reduce earnings. Share and Investment Rate Schedules for all other applicable terms. Membership with TFCU is required to open a certificate.