Share Certificates
Limited Time Only! 18-Month Certificate Special
Lock in 4.25% APY* for 18-Months
Your savings deserve to work harder. With our 18-Month Share Certificate Special, you can secure a guaranteed 4.25% APY and watch your money grow - worry free.
- High Rate, Short Term - Enjoy a competitive rate without locking in your money for years.
- Guaranteed Growth - Your earnings are safe and predictable.
- Easy to Open - Start with as little as $500.
*APY = Annual Percentage Yield. APY is accurate as of 8/15/25. $500 minimum opening deposit required. Special rate available with funds new to Essential. The certificate term is 18 months. Rates are fixed for the term of the certificate. Penalties may be imposed for early withdrawal and could reduce earnings. Rates, terms and conditions are subject to change without notice. Member eligibility required. Federally Insured by NCUA.
Share Certificates
Share Certificates or credit union certificates are high-earning accounts that can help you earn a significant rate of return on your hard-earned money1.
- Only $500 minimum balance required
- Choose 3 months to 5 year terms
- Enjoy automatic renewal at current rates
- Fixed rate for the term of the certificate
- Early withdrawals are subject to penalty
1Dividends are paid out either monthly or quarterly. Early withdrawals are subject to penalty. Upon maturity, certificate will renew at the current rate at the time of renewal. See Truth-in-Savings for more disclosures. APY = Annual Percentage Yield. Federally Insured by NCUA.