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Shoeboxes are incredibly versatile, however, they tend to fall short in one essential category: security. A share certificate from Destinations is not only a safe and secure form of savings, it also provides guarantee in the form of fixed rates and a much higher earning potential. Decide the term that works best for you so you can plan for specific goals. Give your hard-earned money the treatment it deserves with a certificate that works for you.

Rates Calculator

  • Fixed rates for guaranteed savings
    • Higher rates than regular savings
    • Rates increase by selecting longer terms
    • Optional one-time boost in rates*
  • Terms ranging from 6 months to 5 years
  • Early withdrawal subject to penalty
  • No setup or monthly maintenance fees
  • $500 minimum deposit to open
  • NCUA insured up to $250,000
  • An additional $250,000 in coverage available through Excess Share Insurance

*Available upon your request.

There is a substantial penalty for early withdrawal. The penalty is an amount equal to 90 days worth of interest on the amount withdrawn whether it is earned or not. (This may reduce the principal of your Share Certificate.) If the certificate falls below the minimum required, the account will be closed and the penalty will apply to the full amount.