Share Certificates

Share Certificates
Share Certificates

Unlike casual savings accounts, a share certificate adds guarantee to your goals — both short- and long-term. Plan ahead of time, with ease — a share certificate offers fixed rates, higher than regular savings in predetermined increments.

Even maximize your original rate by taking advantage of our one-time "step up" feature. Add guarantee and gusto by signing up for a Benchmark FCU share certificate today.

Summary
  • Fixed rates for added guarantee
  • Higher rates than regular savings that increase by selecting a longer term
  • A wide range of terms to accommodate specific savings goals
  • Terms ranging from 3 months to 3 years
  • Special "Step Up" feature allows you to add funds to your certificate at any time to maximize your return*
  • Available one time during the term of the certificate
  • Terms vary from 3 months to 5 years
  • $2,500 minimum step-up balance
  • No setup or maintenance fees
  • Early withdrawal subject to penalty**
  • NCUA insured up to $250,000
  • $2,000 minimum deposit to open 3-month certificates
  • $500 minimum deposit to open all other certificates

*New rate must be in effect on the date requested for certificate rate to be increased and must be the same term as the original. This does not extend the maturity of the certificate.

**Early withdrawals will result in 90 days loss of dividends for 6-month certificates and 180 days loss of dividends for 1-month to 5-year certificates.

View our current rates.