Accounts

Share Certificates

Certificates are a high-yield savings tool that lets you choose how much money to invest and for how long.

Invest a little bit of time. Get better rates and a lot more money.

Just a few minutes of future planning can really help your finances. By shifting some savings into CoVantage Credit Union’s Share Certificates Account, you'll enjoy higher interest rates and earn more money than you would with a traditional savings account. With a range of investment options, our Wisconsin, Michigan, and Illinois members can choose a term that helps them pay for college tuition next semester, for a new family room next year, or for retirement costs farther down the line.

Higher rates than most savings accounts
Terms range from 3 months to 5 years
Dividends compounded and paid quarterly
  • Renew certificates, track investment growth, and more with MyCoVantage digital banking and mobile app tools. 
  • A penalty may be imposed for early withdrawal of funds.
  • If you're a current CoVantage Credit Union member, open this account through digital banking or the mobile app using your existing checking or savings account number. 

Share Certificate Rates

Effective Date: February 8, 2026
Rate Term APY Minimum Deposit
3.940%48 Month4.000%1000.00
3.750%10 Month3.800%1000.00
3.458%60 Month3.500%1000.00
3.208%36 Month3.250%1000.00
2.967%12 Month3.000%1000.00
2.967%24 Month3.000%1000.00
0.245%3 Month0.250%5000.00
0.245%6 Month0.250%5000.00