Share Term Certificates

Opening a Share Certificate

With a Share Certificate (CD), members can lock in a higher interest rate by committing their money for a specific period of time. An excellent alternative to Regular Savings Accounts, Share Certificates guarantee a fixed rate of return, making them a safe and secure savings option. Share Certificates are federally insured by the National Credit Union Administration (NCUA), subject to applicable coverage limits and requirements.

Open a Share Certificate with a minimum deposit of $500.00, for as short as 6 months or as long as 3 years.

Current Share Certificate rates are effective as of October 2026 and are subject to change without notice. Please contact LES People’s FCU to confirm the current rates before opening an account.

When a Share Certificate matures, it will automatically renew for the same term as the original term. You will have a grace period of seven (7) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty, or to change the renewal term of the Share Certificate.

Current Rates

Minimum deposit: $500 for all terms

6 Months 2.75%–3.00% View Details

Under $100,000: 2.75%

$100,000 - $200,000: 3.00%

Over $200,000: 3.00%

Payment: At maturity

Early withdrawal penalty: 90 days

12 Months 3.00%–3.25% View Details

Under $100,000: 3.00%

$100,000 - $200,000: 3.25%

Over $200,000: 3.75%

Payment: At maturity

Early withdrawal penalty: 120 days

24 Months 3.25%–4.00% View Details

Under $100,000: 3.25%

$100,000 - $200,000: 3.50%

Over $200,000: 4.00%

Payment: Annual

Early withdrawal penalty: 150 days

36 Months 3.50%–4.00% View Details

Under $100,000: 3.50%

$100,000 - $200,000: 3.75%

Over $200,000: 4.00%

Payment: Annual

Early withdrawal penalty: 180 days