Share Certificate of Deposit

Share Certificate of Deposits (CDs) is a risk-free, high-interest deposit product that allows you to save specific sums of money for a set period of time. It offers a better rate of return than a traditional savings account. Use this product to save for long-term goals, so you can reach your savings goals faster.

Viriva’s focus is on the cooperative credit union principle of ‘People Helping People’. We do not issue stock or pay dividends to outside stockholders, therefore excess income can be returned to our members in the form of higher savings rates! Our CDs feature flexible terms and low minimum balance requirements. Open your CD with a minimum balance of only $500.

Viriva can help advise you on how to use these accounts to reach your savings goals. Connect with us today.

How to Open a Share Certificate Online:

  • Log in to It’sMe247 Online Banking.
  • Navigate to ‘New Accounts’ and click on ‘More Certificate Info.’
  • Select the certificate term you would like to open.
  • Follow the onscreen step by step instructions to complete your request.

Share & IRA Certificates

TermsMinimum BalanceAnnual Percentage Yield (APY)1,2Dividend Rate
6 Month$5000.25%0.250%
12 Month$5000.35%0.350%
24 Month$5000.50%0.500%
36 Month$5000.65%0.650%
48 Month$5000.75%0.750%
60 Month$5000.85%0.850%

1,2Share Certificate penalty for early withdrawal applies. Fees may reduce earnings. View Rate Disclosures.