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Share certificates provide a stable savings option with a fixed rate of return.

Like Certificates of Deposit (CDs), share certificates offer fixed rates of return, which are typically higher than those of our Primary Savings accounts.

  • Guaranteed returns locked in for 3 months up to 5 years1
  • Available for individuals, trusts, and Traditional and Roth IRAs2
  • Open with as little as $500; higher rates at $100,000 & $250,0003

If you access your funds before maturity, you will incur an early withdrawal penalty that could range from 3 months to 12 months of dividends depending on the length of the share certificate. You can also borrow against the share certificate using a Secured Loan. To learn more, visit our Secured Loans page.

Our MarketEdge Money Market Savings account is a high-yield savings account with the convenience of checks and a debit card.

Unlike most high-yield savings accounts, in which your money becomes less accessible, Chevron Federal Credit Union ensures the best of both worlds: save more with higher dividend rates and access your funds anytime you need.

Key features

  • No monthly maintenance fees or term restrictions
  • No minimum balance required to open or maintain (balances below $2,500 earn our regular Primary Share Savings account dividend rate)4
  • Easy access via checks or debit card
  • Also available as a Money Market Health Savings Account for members with a high deductible health plan (HDHP)

1All certificates are subject to an early withdrawal penalty. Fees could reduce earnings. Withdrawal of dividends will reduce earnings.

2To open a Certificate in an IRA, please stop by your branch or give us a call at 866-859-5552.

3The minimum balance to open a Share Certificate is $500.

4You are required to maintain a minimum balance of $25.00 in your Primary Share Savings account to keep your membership active and maintain other accounts. See today’s rates. Rates are subject to change without notice. Dividends are compounded daily and paid monthly.


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