Share Certificates offer higher dividend rates than the Share savings account on funds invested for a specific term, or amount of time.
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The minimum balance for opening a Share Certificate is $500, regardless of the term.
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Coosa Pines FCU offers convenient terms ranging from 6 months to 60 months.
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From time to time, the credit union may offer Certificate Specials. Please call or visit for current offers.
Most of our Share Certificates (compare with Certificates of Deposit, or CD) feature dividends that are compounded quarterly. The 6 month certificate, however, is not compounded as it pays at maturity. A monthly paid dividend is available on Share Certificates of $10,000 or more. Interest is not compounded on monthly paid dividends, as dividends must be paid directly to the member either by transfer or check, and may not be added back to the certificate.
NOTE: Early withdrawal penalty may apply for withdrawal of funds in excess of dividends earned. Contact a Member Service Representative for details.
