Rates that stick.
Your dividend rate is locked in from day one. Markets move. Your rate doesn't.
Build more with a locked-in rate.
Lock in a guaranteed rate and watch your savings grow until you’re ready to use them.
Why members choose Share Certificates
Looking for a predictable way to grow your savings? Share Certificates offer guaranteed returns and a variety of term options, making them a popular choice for members with longer-term savings goals.
More ways to grow your savings.
Share certificates can offer higher dividend rates than traditional savings accounts when you keep your money on deposit for a set term.
Federally insured.
Up to $250,000 through the NCUA, with additional protection via the MSIC. Your money is protected.
Flexible terms.
3 months to 5 years. You pick the timeline. We'll do the rest.
Compare
Find the one that fits your life.
| Term | Dividend Rate | APY* | Minimum to Earn APY | Compounding |
|---|---|---|---|---|
| 91 Day | 2.96% | 3.00% | $500 | Monthly |
| 5 Month | 2.96% | 3.00% | $500 | Monthly |
| 6 Month | 3.69% | 3.75% | $500 | Monthly |
| 7 Month | 1.98% | 2.00% | $500 | Monthly |
| 9 Month | 4.41% | 4.50% | $500 | Monthly |
| 10 Month | 3.78% | 3.85% | $500 | Monthly |
| 10 Month No Penalty | 3.59% | 3.65% | $500 | Monthly |
| 11 Month | 1.98% | 2.00% | $500 | Monthly |
| 1 Year | 4.65% | 4.75% | $500 | Monthly |
| 14 Month | 2.96% | 3.00% | $500 | Monthly |
| 15 Month | 2.96% | 3.00% | $500 | Monthly |
| 17 Month | 4.17% | 4.25% | $500 | Monthly |
| 17 Month No Penalty | 2.96% | 3.00% | $500 | Monthly |
| 18 Month | 4.94% | 5.05% | $500 | Monthly |
| 20 Month | 1.98% | 2.00% | $500 | Monthly |
| 2 Year | 4.41% | 4.50% | $500 | Monthly |
| 3 Year | 4.65% | 4.75% | $500 | Monthly |
| 4 Year | 2.96% | 3.00% | $500 | Monthly |
| 5 Year | 2.96% | 3.00% | $500 | Monthly |
| Open An Account | ||||
-
91 Day
Dividend Rate 2.96%APY* 3.00%Minimum to Earn APY $500Compounding Monthly -
5 Month
Dividend Rate 2.96%APY* 3.00%Minimum to Earn APY $500Compounding Monthly -
6 Month
Dividend Rate 3.69%APY* 3.75%Minimum to Earn APY $500Compounding Monthly -
7 Month
Dividend Rate 1.98%APY* 2.00%Minimum to Earn APY $500Compounding Monthly -
9 Month
Dividend Rate 4.41%APY* 4.50%Minimum to Earn APY $500Compounding Monthly -
10 Month
Dividend Rate 3.78%APY* 3.85%Minimum to Earn APY $500Compounding Monthly -
10 Month No Penalty
Dividend Rate 3.59%APY* 3.65%Minimum to Earn APY $500Compounding Monthly -
11 Month
Dividend Rate 1.98%APY* 2.00%Minimum to Earn APY $500Compounding Monthly -
1 Year
Dividend Rate 4.65%APY* 4.75%Minimum to Earn APY $500Compounding Monthly -
14 Month
Dividend Rate 2.96%APY* 3.00%Minimum to Earn APY $500Compounding Monthly -
15 Month
Dividend Rate 2.96%APY* 3.00%Minimum to Earn APY $500Compounding Monthly -
17 Month
Dividend Rate 4.17%APY* 4.25%Minimum to Earn APY $500Compounding Monthly -
17 Month No Penalty
Dividend Rate 2.96%APY* 3.00%Minimum to Earn APY $500Compounding Monthly -
18 Month
Dividend Rate 4.94%APY* 5.05%Minimum to Earn APY $500Compounding Monthly -
20 Month
Dividend Rate 1.98%APY* 2.00%Minimum to Earn APY $500Compounding Monthly -
2 Year
Dividend Rate 4.41%APY* 4.50%Minimum to Earn APY $500Compounding Monthly -
3 Year
Dividend Rate 4.65%APY* 4.75%Minimum to Earn APY $500Compounding Monthly -
4 Year
Dividend Rate 2.96%APY* 3.00%Minimum to Earn APY $500Compounding Monthly -
5 Year
Dividend Rate 2.96%APY* 3.00%Minimum to Earn APY $500Compounding Monthly
Terms & Conditions
*APY = Annual Percentage Yield. Rates shown are effective October 1, 2026, and are subject to change before account opening. The dividend rate is fixed for the term of the certificate. Minimum deposit to open and minimum balance to earn the advertised APY are both $500. Dividends are compounded monthly. Fees may reduce earnings. Membership eligibility applies.
An early withdrawal penalty may apply if certificate principal is withdrawn before maturity. No-Penalty Certificates are subject to their specific withdrawal requirements and restrictions. Refer to your certificate agreement and Truth-in-Savings disclosure for complete terms, including early withdrawal provisions, maturity, renewal, and any applicable grace period.
Arise Federal Credit Union doing business as Arise Financial.
Today's rates.
Tomorrow's growth.
Rates that reward patience. Lock yours in today before they change.
Open An AccountYour Share Certificate questions, answered.
Learn how Share Certificates work, how much you need to get started, and how they can help you earn more on your savings.
What is a Share Certificate? 
A share certificate is a savings account where you agree to leave your money on deposit for a set period anywhere from three months to five years. In return, you get a locked-in dividend rate that's typically higher than a standard savings account. Think of it as a commitment with a reward.
How much money do I need to open a Share Certificate?
You can open an Arise Share Certificate with a minimum deposit of $500, making it an accessible way to grow your savings with a guaranteed rate.
Can I withdraw money before my Share Certificate matures?
Yes, but an early withdrawal penalty may apply. If you think you'll need access to your funds before the certificate matures, our team can help you choose the right savings solution.
How long are Share Certificate terms?
Arise Share Certificates are available in terms ranging from three months to five years. This flexibility allows you to choose a term that aligns with your savings goals and timeline.
Are Share Certificates a safe investment?
Yes. Share Certificates offer a fixed rate of return and are federally insured by the NCUA up to applicable limits. Eligible Massachusetts members also receive additional coverage through the Massachusetts Share Insurance Corporation (MSIC) for balances above NCUA insurance limits.
Can I open a certificate online?
Yes. You can open a Share Certificate online or visit any Arise branch for personalized assistance from our team.
Why choose a Share Certificate instead of a savings account?
A Share Certificate may offer higher dividend rates than a traditional savings account in exchange for keeping your money on deposit for a fixed term. It's a great option for funds you won't need immediate access to and want to grow with a guaranteed return.
We're here for you.
Our team is ready to help you reach your goals with personalized support and guidance.
Contact Us
