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Certificates

Take advantage of our LIMITED TIME Certificate offers with a higher rate of interest!

Current Offers

  • 12 month certificate at 3.04% APY
  • 30 month bump certificate rate* at 3.38% APY

($500 minimum balance required to open. Personal, business, and IRA funds are eligible. Penalty for early withdrawal. Fees could reduce earnings. Brokered, third party funds are not eligible.)

*Annual Percentage Yield accurate as of 10.1.2022.

Overview and Benefits

Plan for a successful future with a variety of terms and rate options for a solid savings foundation. 

Terms to Fit Your Goals

A certificate can be a great tool for storing your savings for far-away financial goals or purchases.

PREDICTABLE RETURNS

You'll lock in your interest rates which allows your to enjoy your higher rate, even if rates drop of savings accounts and new certificates.

LOW RISK

Investing in a shared certificate can make sense if you want to avoid the volatility of the stock market.

LOW INITIAL OPENING DEPOSIT

Opening a Share Certificate typically doesn't require larger deposits like Money Market Accounts.

FEATURES:

  • $500 minimum to open
  • Fixed dividend rates
  • Terms from 6 months up to 5 years
  • NCUA insured up to $250,000

 

  • Dividend options: Compounded to the certificate, transferred to an Azura account, or paid by check.
  • A penalty for early withdrawal may apply

Ready to get started?

Visit your nearest branch or call Azura Credit Union at 1-800-432-2470!

Find an Azura location near you

Explore which certificate is right for YOU

Certificates are great options for growing your nest egg and improving your financial wellness. Whether you commit to six months, fives years or somewhere in between, different terms will provide different dividend rates. Use our calculator to compare how much you might make on two certificates you're considering as part of your financial journey.

 

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

 

 

Current Rates

Share Certificates

Effective Date: Monday, December 5, 2022

Share Certificates

Rate

APYT

6 month1.00%1.00%
12 month3.00%3.04%
24 month2.00%2.02%
30 month Bump Rate*3.33%3.38%
36 month2.25%2.27%
48 month2.50%2.53%
60 month2.75%2.79%

$500 minimum to open Share Certificate

T - Annual Percentage Yield 

*The Bump Rate Option allows a member to choose to “bump” their rate one time for the 30 month Share Certificate, if the current rate being offered is higher.  Contact Azura Credit Union to activate the bump rate. Each 30 month term has one bump available. The 30 month Bump Rate Share Certificate will automatically renew as another 30 month Bump Rate Share Certificate, unless changes are made during the grace period.  Early withdrawal penalty will reduce earnings on the account. 

 

Membership Benefits

At Azura, we are dedicated to innovative banking solutions. We give our members awesome benefits because we know when they succeed, the communities we serve succeed.
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