Share Certificates make your money work harder for you by offering more competitive rates than prime or share club accounts coupled with flexible terms. All you need is a minimum of $100 for our Money Builder Accounts or $1,000 for all other share certificates. Dividends are compounded and credited monthly with withdrawals allowed on dividends. Certificates are offered in term lengths of three, six, 12, 24, 36, and 48 month terms. Ask us about our regular, platinum, and jumbo share certificates.