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Share Certificates

Our Share Certificates add some stability to your investment strategy. Select a term with a fixed rate and guarantee yourself a return.


  • Fixed rates, better than standard share accounts
  • A wide range of terms to choose from (from 6 months to 3 years)
  • Dividends can be withdrawn or added to the certificate
  • No setup or maintenance fees
  • Use your Share Certificate as collateral for a share-secured loan 
  • Early withdrawals subject to penalty*
  • All Share Certificates automatically renew at maturity if no action is taken

  • New Money Boost (Available on 6 month JUMBO, 12 month and 18 month Share Certificate terms)
    "New money" is defined as funds not on deposit at Triangle FCU within the past 30 days. Open a Share Certificate with at least $25,000 or 50% of the total Share Certificate balance in new money, whichever amount is greater, and receive a one-time .50% increase to the regular rate.  
  • Save‐up Option (Available on 12, 18, 24, and 36 month Share Certificate terms)
    Our save-up option gives you the ability to add to an existing Share Certificate in minimum increments of $100 over the life of the Share Certificate.  No minimum or maximum deposit frequency is required.
  • Step‐up Option (Available on 24 month and 36 month Share Certificate terms)
    Our step-up option gives you the ability to change the rate one time to the effective rate for the same term and type of Share Certificate.  If you do not use the step-up option, you will keep the original rate for the duration of your Share Certificate term. 

See any TFCU member service representative for more information concerning Share Certificate options. 

*Penalty for early withdrawal = a percentage of interest based on the age of the certificate and time remaining.