37 views First Share Certificate Deposit amount? $ Share certificate term (months)? Interest rate? % Second Share Certificate Deposit amount? $ Share certificate term (months)? Interest rate? % Printer-friendly version First Share Certificate Deposit Amount Interest Earned Monthly Interest Second Share Certificate Deposit Amount Interest Earned Monthly Interest Chart Table Certificate Comparison First Share Certificate Second Share Certificate Deposit Amount Interest Earned Total Submit A share certificate is a savings instrument offered by a credit union that has a fixed date of maturity and a fixed interest rate. Most Share Certificates require a minimum deposit amount and may offer rates contingent on the size of the deposit. Share Certificates are insured by the NCUA, up to $250,000 per individual depositor. As a Share Certificate depositor, you are committing to leave your funds in the Share Certificate for the term of the Share Certificate. As a result of that time commitment, rates offered on Share Certificates are typically higher than traditional savings or money market accounts. Keep in mind that an early withdrawal of funds will likely come with a financial penalty.