ESA Term Share Certificates

ESA Term Share Certificates

Term share certificates224 are the credit union industry's versions of certificates of deposit (CDs). They have a fixed and variable interest rates and a fixed date of when you can withdraw the funds. Tiered rates are available on most of our certificates, giving you the ability to earn higher rates based on the current balance of your certificate. See rates.


  • Fixed rates (on most products)

  • Guaranteed rates of return

  • High competitive yields

  • Multiple term options

  • Bump-up and Add-on options available

  • Low minimum balance requirements

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