The Benefits of Share Certificates

Marshfield Medical Center Credit Union > Blog > The Benefits of Share Certificates

A Share Certificate is a type of investment where you deposit a certain amount of money for a fixed period of time, typically ranging from several months to several years, in exchange for a guaranteed interest rate. (It’s the equivalent of a certificate of deposit at a bank.)


  • Guaranteed returns: Share Certificates offer a fixed rate of return that is guaranteed for the entire duration of the investment period, so you know exactly how much you’ll earn.
  • Low risk: Share Certificates are considered a low-risk investment since they are FDIC-insured up to $250,000 per depositor, per insured bank, so your money is protected against bank failure.
  • Predictability: Since the interest rate is fixed, you know exactly how much money you will earn at the end of the investment period.

Share Certificates can be a good option for those looking for a low-risk investment with guaranteed returns, though they may not be the best choice for those looking to maximize their returns or have easy access to their money. Talk to a friendly MMCCU team member to determine if a Share Certificate is right for you.

Learn more about Share Certificates available at MMCCU HERE.

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