Certificates
Features of a Cross Valley FCU Share Certificate
Ability to pick your maturity date. View all Certificate terms and dividend rates to choose what works best for you.
The longer the term, the higher the dividend rate
Lock in your dividend rate for the entire term when you open your account.
Dividends compound monthly and at maturity.
Automatically renews upon maturity, or you can transfer the funds to an account or IRA3 of the same type
Unlike stocks or other investment types, your certificate dividend rate does not decrease when market conditions worsen.
Types of Certificates
Savings Certificates
Traditional IRA Certificates
Roth IRA Certificates
Coverdell Education Savings Account Certificates
To get started, give us a call at (570) 823-6836 or visit a branch today to speak with a Certificate Specialist who can lock in your rate now or provide additional information.
Disclosures:
1* APY = Annual Percentage Yield. The APY is current as of 9/1/2022. Fees could reduce earnings to the account. All credit union programs, rates, terms, and conditions are subject to change at any time without notice. Please review the Truth-in-Savings Accounts and Truth-in-Savings CDs Truth in Savings Disclosure for Share/Share Draft Accounts
2* Earnings of 225 times more with the 18-Month Share Certificate over a Cross Valley FCU Share Saving Account is based on the current annual percentage yield APY or 0.01% for a Share Savings Account versus 2.25% for this Cross Valley FCU 18-Month Share Certificate.
3* Retirement accounts must have direct deposit or net payroll or retirement to a Share Savings Account or into a Share Draft Checking Account.