Share Certificates

For maximum dividends, invest in a Share Certificate available in terms ranging from 6 months to 60 months for as little as $500*. Dividends are paid monthly and may be compounded or transferred to one of your EFCU Financial accounts.

For your convenience, renewal is easy and automatic. You will be notified in writing of your certificate’s upcoming maturity two weeks prior to the maturity date. Your certificate will automatically renew at the prevailing rate if we do not hear from you within 10 days of maturity.

For rate information, click here or call us (225) 214-6800.

Certificate Specials

LIMITED TIME OFFER:

  • 1.25% APY* on a 13 month certificate
  • $500 Minimum Deposit
  • Includes IRA Certificates

In addition, EFCU Financial also offers three specialty share certificate options that provide you with greater flexibility and more earning power:

Super 7 Certificate

Super 7Logo --Web

Why lock in a lower fixed rate when you need long-term earnings?  EFCU Financial's Super 7 Certificate offers a variable rate based on the Federal Reserve’s Prime Rate. Twice a year, over the term of this seven year certificate, the rate will adjust based on the current Prime Rate. 

For current rate information on the Super 7 Certificate, click here or call us at (225) 214-6800.

Bump-A-Rate Certificate

This 30-month certificate provides you an opportunity to "bump-up" your rate to an even higher rate one time during the term of the certificate. 

  • 30-month term
  • Minimum $500 opening deposit
  • One-time opportunity to "bump-up" to a higher rate at any time during the certificate’s 30-month term
  • Maturity remains unchanged after the bump
  • The new rate will be effective the day you notify us and will remain in effect until the certificate’s original maturity date
  • Bump-A-Rate IRA Certificates are also available

For rate information on the Bump-A-Rate Certificate, click here or call us at (225) 214-6800.

Jumbo Certificates

If you're looking for an investment opportunity for your higher dollar deposit, look to a Jumbo Certificate. With a minimum balance of $100,000, begin earning more with terms of six months to five years.

For rate information on Jumbo Certificates, click here or call us at (225) 214-6800.

 

Note: Share Certificates are subject to an early withdrawal penalty which may reduce earnings.

 

*APY = Annual Percentage Yield.  APY current as of 6/1/17.  Limited time offer.  Penalty for early withdrawal may reduce earnings.  Other restrictions may apply.