Share Certificates

Is a Share Certificate right for me?

With a Share Certificate (also known as a Certificate of Deposit or a CD), you have limited access to your money, but earn higher dividends (interest). You select the amount of time you’re comfortable with based on your savings goals; longer terms yield higher dividends. While making withdrawals is discouraged, Share Certificates offer fixed rates and guaranteed returns.  

A Share Certificate is a great way to save for longer term goals, such as college tuition or a dream vacation. 



  • Low risk investment
  • Higher returns than savings accounts
  • Terms from 6 to 60 months
  • Open with a $1,000 deposit
  • Federally insured by National Credit Union Association (NCUA)
  • Jumbo Share Certificates available for investments of $50,000 or more

Are you a current Cornerstone Member?

Don't forget to check your personalized offers first before you open a new CD. There may be a special offer or promotion just for you! Simply log in to digital banking, navigate to the main menu and click "Personalized Offers".


How much interest can you earn?

Use our Certificate of deposit calculator to calculate a general idea of what your ending balance could be.