Share Certificates


Community Resource offers a variety of share certificates with excellent rates and flexible terms:

Regular Share Certificates
The minimum to open and earn interest is $500. Choose from terms of six month to five years. Get a .10% APY bonus rate on certificates with terms of 12 months or longer when you have our Energized Checking Account.

Super Share Certificates
The minimum to open and earn interest is $50,000. Choose from terms of one to five years.

Scottie Savers/Money Rules Share Certificate
Earn an above market rate on this one year share certificate. Open for a Scottie Savers or Money Rules member up to 17 years old with as little as $100. You can make deposits at any time up to $30,000 per term. The share certificate transfers to a regular one-year share certificate when it comes up for maturity after the child reaches 18 years old.

The following loan discounts are available for CRFCU members:

  • .25% rate increase for all Veterans/Military Personnel on Share Certificates
  • .10% rate increase for First Responders and Preferred Business Partners on Share Certificates
  • Members with Energized Checking receive an additional .10% on a Share Certificate of 12 months or more.
  • Business accounts with a CRFCU checking account will receive an additional .25% on any Share Certificate.

Call (518) 783-2211 or 1-888-783-2211 for more information.

* Cannot be combined with other rate incentives or the Super Share Certificate. In order for your checking account to be considered active, you must make at least one withdrawal, transfer, direct deposit or debit card transaction per month in your account. If you do not meet the requirement, you will lose the bonus.