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Share Certificates

Stable, low-risk investments

Reach your short or long term financial goals safely.

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Flexible terms, guaranteed rates


If you want a low-risk method of earning interest, a Share Certificate may be a good investment for you. Certificates offer an effective means of earning a return on your money. They carry a fixed rate and are held for a specified length of time as opposed to market-based investments such as mutual funds or annuities.

We offer flexible share certificate terms to fit your needs. The longer you put your money aside, the more it will grow. Start earning today with just a $1000 investment.


  • Terms from 91 days to 5 years
  • Fixed interest rates
  • $1000 minimum investment
  • Jumbo Share Certificates are also available (minimum $100,000)
  • Penalties do apply for early withdrawal


All of our Share Certificates are insured by the NCUA up to $250,000.

* APY calculations are based on monthly compounding and crediting of dividends, and dividends will remain on the account until maturity. Partial withdrawals are not allowed. Withdrawal of funds prior to the maturity date, will reduce earnings and will be subject to penalties. A minimum balance of $1,000 is required to open an account and a 5-year term is required to earn the stated APY rate. Terms and dividend rates may vary. Share certificates are insured by the NCUA up to $250,000. AERO Federal Credit Union is federally insured by the National Credit Union Administration and is an Equal Housing Opportunity Lender. Membership eligibility is required. See credit union for details regarding applicable fees and term

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Call us or stop by a branch to open your certificate.