Certificates

Commit to Bigger Returns with a 2-Year Share Certificate

HRCCU’s 2-year share certificate is built for long-term savers who want higher interest earnings without risk or maintenance fees.

What is a 2-Year Share Certificate?

A 2-year share certificate from HRCCU offers a safe and steady way to grow your money over 24 months. With a fixed rate, no maintenance fees, and full federal insurance, it’s an excellent choice for long-term savers.

Once opened, your funds remain locked in for two years, earning a consistent return that isn’t affected by market changes. The interest rate is guaranteed for the full term, making it easier to plan for future financial goals.

Whether you’re saving for a large expense or simply want to put your money to work, a 2-year share certificate provides higher returns than shorter options. It also pairs well with a High-Yield Savings Account or can be a solid anchor in a share certificate ladder.

Fixed Rate for 24 Months

Higher Yield Than Short-Term Share Certificates

Federally Insured Up to $250,000

man on phone and laptop opening bank account

How to Open a 2-Year Share Certificate

Secure your long-term savings with a 2-year share certificate from HRCCU.

Choose your investment amount — starting at $500
Review current rates for the 24-month term
Apply online or at a branch
Fund your certificate by transfer, deposit, or check
Track your progress with online or mobile banking

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Frequently Asked Questions

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A 2-year share certificate provides a higher interest rate than shorter-term certificates. It’s ideal if you can afford to lock your funds away for a longer period and want predictable growth.

Many members choose this term to save for a house, vehicle, or future tuition while avoiding the market risks of investments.

With fixed returns and no fees, it’s a low-risk way to build your savings steadily.

Interest on your 2-year share certificate is earned at a fixed rate that’s locked in when you open the account. It’s compounded monthly and added to your balance automatically.

At maturity, you’ll receive both your original deposit and the full interest earned. Some members choose to have interest paid out periodically to another HRCCU account.

Everything is visible in your online dashboard, so you can track earnings at any time.

Early withdrawals from a 2-year share certificate are subject to a penalty, typically a portion of the interest earned. This discourages breaking the term early and helps you stay focused on your savings goal.

If you expect to need access to your money sooner, a shorter-term share certificate or high-yield savings account may be a better fit.

The penalty is clearly stated at the time of account opening and is deducted only if an early withdrawal occurs.

When the 2-year share certificate reaches its maturity date, HRCCU will notify you. You’ll have a grace period to withdraw the funds, reinvest in another term, or move money to a different account.

If you do not provide new instructions, the share certificate may automatically renew at the latest 24-month rate.

Be sure to check your options and choose what aligns best with your financial needs at that time.

Yes, HRCCU share certificates are federally insured by the NCUA up to $250,000 per depositor. This protection applies to your entire balance, including earned interest.

This makes the 2-year share certificate a great choice for anyone looking for a safe, low-risk place to store and grow savings.

You don’t need to take any action to receive this protection — it’s automatic for all eligible HRCCU members.

Yes. Many members use a 2-year share certificate as the longer-term component of a CD ladder. This approach staggers maturity dates so you can reinvest or access funds every 6 to 12 months.

Pairing this with shorter-term share certificates gives you better liquidity while still capturing higher interest rates over time.

It’s a simple but effective way to balance long-term growth with flexibility.