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Share Certificates
Grow Your Savings with Confidence
When you know you won’t need your money right away, a Share Certificate can help your savings work even harder. By setting aside funds for a fixed period, you can earn a higher fixed dividend rate and take a steady approach toward reaching your financial goals.
A Share Certificate is a savings option that allows you to deposit funds for a set term in exchange for a higher fixed dividend rate. It’s a great choice for money you’re planning to save for future goals, such as a major purchase, education expenses, or building long-term financial security.
With a variety of term options available, you can choose the timeframe that best aligns with your plans and enjoy predictable earnings along the way.
Grow Your Savings with Confidence.
Lock in a competitive fixed dividend rate and watch your savings grow over time. With flexible certificate terms and guaranteed returns, it’s a smart way to save for your future.
Higher Fixed Dividend Rates
Earn a higher fixed dividend rate than many traditional savings options.
Flexible Term Options
Choose the certificate term that best supports your financial goals.
Predictable Growth
Your dividend rate remains fixed for the length of your certificate term, making it easy to plan ahead.
Save for Future Goals
A great option for money you don’t need immediate access to and want to grow steadily over time.
Account Details
- Minimum Deposit: Start with a minimum deposit of $1,000.
- Choose Your Term: 6 Months, 1 Year, 2 Years, 3 Years, and 4 Years
- Dividend Rate: Fixed for the entire term
- Best For: Longer-term savings goals and predictable growth
What is a Share Certificate?
A Share Certificate is a savings account that allows you to earn a fixed dividend rate by depositing funds for a set period of time.
How much do I need to open a Share Certificate?
A minimum deposit of $1,000 is required to open a Share Certificate with MembersOwn.
What term options are available?
MembersOwn offers certificate terms of 6 months, 1 year, 2 years, 3 years, and 4 years.
Can I access my money before the term ends?
Share Certificates are designed for longer-term savings. Early withdrawals may be subject to penalties. Contact our team for additional information.
Is a Share Certificate right for me?
A Share Certificate may be a good fit if you have funds you don’t need right away and want to earn a higher fixed dividend rate with predictable growth.
Talk to a Real Person
in Your Community
MembersOwn is here to talk things through, answer questions, and help you decide what makes sense for your life—with friendly guidance from people who live and work right here in Nebraska.
Lincoln Branch
1391 South 33rd Street
Lincoln, NE 68510
402.436.5365 (Text Friendly)
Beatrice Branch|
2600 Eastside Boulevard
Beatrice, NE 68310
402.223.4204
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