With terms from three months to five years, you’re sure to find a CFE Term Share Certificate that will meet your financial needs. Limited access to your funds allows you to accrue savings while earning greater dividends. Certificates automatically renew unless you specify otherwise. 

Features and Benefits
  • $1,000 minimum opening deposit
  • No monthly service charge
  • Fixed-rate dividends
  • Flexible ways to receive the dividends you earn
  • Dividends compounded daily ($50 minimum daily balance to earn dividends)
  • Credited dividends monthly
  • Funds available at maturity*


Share Certificate

Type Min Balance To Earn APY Annual Percentage Yield (APY) Annual Dividend Rate (ADR)
IRA Certificates $1,000 Same as Certificates Same as Certificates
3-5 Month Certificate* $1,000 0.20% 0.20%
6-11 Month Certificate* $1,000 0.55% 0.55%
12-23 Month Certificate* $1,000 0.80% 0.80%
24-29 Month Certificate* $1,000 1.31% 1.30%
30-35 Month Certificate* $1,000 1.31% 1.30%
36-47 Month Certificate* $1,000 1.51% 1.50%
48-59 Month Certificate* $1,000 1.76% 1.75%
60 Month Certificate* $1,000 2.07% 2.05%
6 Month Savings Builder Share Certificate** $5 0.35% 0.35%
15 Month Fixed-rate Term Share Certificate*** $1,000 2.78% 2.75%
15 Month Fixed-rate Term Share Certificate**** $1,000 or $100,000 2.89% 2.85%

What To Expect

To open a CFE Term Share Certificate, you will need to have established CFE membership with a CFE Share Savings Account in good standing. Members are then able to apply to open a CFE Term Share Certificate in person at any CFE branch or by calling our Contact Center.


Learn more about using your earnings from your CFE Term Share Certificate to fund a retirement account.

Planning for Retirement

*Penalties may be imposed for early withdrawal.

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