Share Certificates

With as little as $500, members can invest in a Gardiner Federal Credit Union Share Certificate and maximize their earnings. Terms range from 3 months to 5 years, so choose the term that’s right for you!

  • Minimum Opening Balance of $500.00.
  • Offered Terms are 3 month, 6 month, 1 year, 2 year, 3 year, 5 year.
  • Please visit our rate page or home page for current rates.
  • Automatically Renewable.
  • Dividend Withdrawal Allowed.

For more information, please download our Rate Schedule for Certificate Accounts brochure.

*Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity.  An early withdrawal will reduce earnings.  A penalty may be imposed for an early withdrawal.  Rates are subject to change without notice.  Certificate rates quoted are fixed for the term of the account.  Certificates renew at the end of the quoted term with no grace period.