Share Certificate Accounts

Share certificates are time deposits that have maturities of 6, 12, 24, 36, 48, and 60 months. The dividends on share certificates can compound back into the certificate or can be paid monthly in the form of a check mailed to the member’s residence. Energen Credit Union will allow deposits into the share certificate with no penalty. There are penalties for early withdrawals on share certificates. On a certificate of twelve months or less, the penalty is one month’s interest. On a certificate greater than twelve months, the penalty is two month’s interest.

At maturity, share certificates can automatically renew into the same maturity certificate at the current rate at Energen Credit Union or you can choose to have the funds mailed to you or you can pick up a check at the credit union or you can have the funds deposited into you share account.

Share Certificate Rates

Term: 6 mo 12 mo 24 mo 36 mo 48 mo 60 mo
Rate: 0.80% 1.00% 1.25% 1.51% 1.76% 1.76%

* Certificate rates expressed as APY.

The minimum balance to earn the dividend rate is $500.00.

The minimum opening amount is $500.00.

The rate may change after the account is opened.

These APYs are accurate as of 12/31/2013.

A penalty may be imposed for early withdrawal.