Share Certificates

Grow your savings

with the one you trust.

Ready to get started?

Why Consider a Certificate?

Are you new to using certificates to save and grow your money? Watch this quick one-minute video covering the basics.

Certificates: the safe and secure* way to save

With a Tinker Federal Credit Union share certificate, you can make money and save money, as you enjoy convenience and peace of mind.

Begin saving with as little as $1,000.
Enjoy convenient terms from three to 60 months.
Make more money with our compounding dividends, paid monthly.
Earn more with our monthly dividends based on actual daily balance and term.
Save money with our 10-day grace period after renewal.
Receive quarterly statements.

*Share certificates are federally insured by the NCUA up to $250,000, combined with your other accounts (IRAs are separately insured).

Dividends can make you money

At a credit union, you earn “dividends” rather than “interest” on your certificates. Plus, you have options for managing your dividends:

Reinvest your dividends into your certificate.
Have a dividend check mailed to you.
Transfer your dividends to your checking or savings account.

Start small and build

Starting Line Certificates allow members to earn dividends while saving to reach the minimum balance required to open a standard higher-yielding term share certificate.

Begin saving with as little as $25.
Enjoy the convenience of making deposits at any time in a variety of ways.
Make more money while saving to reach the minimum balance required to open a standard higher-yielding term share certificate.
Make more money with our competitive compounding dividends.