We offer two types of Share Certificates, Preferred Investment Certificates and Silver Certificates. Our Preferred Investment Certificates are available with maturity dates ranging from 1 to 60 months and a minimum deposit of $2500. If you are looking to invest a smaller amount, our Silver Certificates are available for 12-month and 24-month terms with a required minimum deposit of $500.
Stop by a branch to open a Share Certificate today, or contact a Member Services Representative at 850.862.0111, Option 4 during business hours for more information.
Our 31 Days / 1 month Preferred Investment Certificate has a dividend rate of 3.25% and an annual percentage yield of 3.30%. Our 92 days / 3 month Preferred Investment Certificate has a dividend rate of 3.25% and an annual percentage yield of 3.30%. Our 182 days / 6 month Preferred Investment Certificate has a dividend rate of 3.55% and an annual percentage yield of 3.61%. Our 365 days / 12 month Preferred Investment Certificate has a dividend rate of 3.65% and an annual percentage yield of 3.71%. Our 548 days / 18 month Preferred Investment Certificate has a dividend rate of 3.70% and an annual percentage yield of 3.76%. Our 730 days / 24 month Preferred Investment Certificate has a dividend rate of 3.60% and an annual percentage yield of 3.66%. Our 1095 days / 36 month Preferred Investment Certificate has a dividend rate of 3.50% and an annual percentage yield of 3.56%. Our 1460 days / 48 month Preferred Investment Certificate has a dividend rate of 3.45% and an annual percentage yield of 3.51%. Our 1825 days / 60 month Preferred Investment Certificate has a dividend rate of 3.40% and an annual percentage yield of 3.45%.
Rates listed are current from 2025-10-17 - 2025-10-23.
| CERTIFICATE TYPE | DIVIDEND RATE | APY* |
| 31 Days / 1 month Certificate | 3.25% | 3.30% |
| 92 days / 3 month Certificate | 3.25% | 3.30% |
| 182 days / 6 month Certificate | 3.55% | 3.61% |
| 365 days / 12 month Certificate | 3.65% | 3.71% |
| 548 days / 18 month Certificate | 3.70% | 3.76% |
| 730 days / 24 month Certificate | 3.60% | 3.66% |
| 1095 days / 36 month Certificate | 3.50% | 3.56% |
| 1460 days / 48 month Certificate | 3.45% | 3.51% |
| 1825 days / 60 month Certificate | 3.40% | 3.45% |
Our 365 days / 12 month Silver Certificate has a dividend rate of 3.65% and an annual percentage yield of 3.71%. Our 730 days / 24 month Silver Certificate has a dividend rate of 3.60% and an annual percentage yield of 3.66%.
Rates listed are current from 2025-10-17 - 2025-10-23.
| CERTIFICATE TYPE | DIVIDEND RATE | APY* |
| 365 days / 12 month Certificate | 3.40% | 3.45% |
| 730 days / 24 month Certificate | 3.35% | 3.40% |
What is the early withdrawal penalty fee for Share Certificates?
The early withdrawal penalty for Share Certificates can differ depending on various factors. Please contact us by calling 850.862.0111, Option 4, or visit a branch during business hours for more information on Share Certificates.
What is the difference between Share Certificates and Certificates of Deposit (CDs)?
Certificates of Deposit (CDs) are offered by banks and Share Certificates are offered by federal credit unions. The products are similar but the key difference and the reason for the altered terminology lies in the fact that banks offer deposit accounts and federal credit unions offer share accounts. Eglin Federal Credit Union offers Share Certificates for your low-risk investment options.
What is the difference between Share Certificates and Certificates of Deposit (CDs)? Share Certificates and Certificates of Deposit (CDs) are both low-risk share accounts. The key difference lies in the institutions offering them: CDs are offered by for-profit banks, while share certificates are provided by not-for-profit credit unions. Both pay fixed rates, but CDs offer interest, while share certificates provide dividends. Additionally, CDs are insured by the FDIC, while share certificates are insured by the NCUA.
How do I renew my Share Certificate?
Please contact us or visit a branch during business hours for specific information about renewing your Share Certificate(s).
How do I close my Share Certificate?
Please contact us or visit a branch during business hours for specific information about closing your Share Certificate(s).
Where can I find the maturity date on my Share Certificate?
Members with online account access can find share certificate maturity dates listed in Online Banking or the Mobile App. Please contact us or visit a branch during business hours to inquire about the maturity date on your Share Certificate(s).
Eglin FCU does not offer Certificates of Deposit (CDs), instead we offer Share Certificates.
Routing Number: 263178070
*APR = Annual Percentage Rate.
