Share Certificates

Thanks to certificates more and more young people are going to college … young couples have the down payment on their first home … and retirees have a supplement to their other retirement benefits.

With as little as $500, you can start earning certificate rates. By saving a little from each paycheck, you will soon have enough to invest in a certificate.

We offer an IRA certificates too. The terms are the same. You can invest your IRA savings in certificates any time you wish.

Certificates are a great way to earn a higher interest rate on your savings deposits without tying up your assets for long periods of time.

Your Community Credit Union offers certificates of 6, 18, 36 or 60 months.
When a certificate matures, we automatically renew it for the same number of months unless the funds are withdrawn. Of course, you receive prior notice and have a grace period in which to change the terms.

There is a substantial penalty for early withdrawal.

Current Rates for IRA/Tiered Share Certificates


<$100,000 Rate (APR/APY)

>$100,000 Rate (APR/APY)

6 months
18 months
36 months
60 months

APR is Annual Percentage Rate; APY is Annual Percentage Yield

Rates subject to change without notice.

Membership Eligibility: You must Live, Work, Worship or Attend School in Wayne County, North Carolina OR be an existing member to be eligible to open share certificates with us. If you are a new member, we will open your required Primary Savings (membership) account (you just need $1 to open this) when you come to open your certificate.

Questions? |  Call 919.734.8224 to speak to a member of our team about membership.

Open In Person | Visit a branch: 2401 E. Ash Street, Goldsboro, NC (under the blue roof) or inside the BX on base at Seymour Johnson AFB. See Locations and Hours for more info.

When you come to complete your account opening, please bring the following:

  • Valid, unexpired driver’s license listing your current address
  • If your driver’s license DOES NOT list your current address, please bring a recent utility bill, cell phone bill, bank statement or lease agreement detailing your current address
  • Social Security card OR government issued document (tax return, w2, etc.) listing your FULL social security number
  • $500 minimum opening deposit (can be transferred from your existing credit union account if desired)

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Welcome to Your Community Credit Union! We are a community based financial institution located in Goldsboro, NC. If you Live, Work, Worship or Attend School in Wayne County, North Carolina you are eligible for membership by opening a savings account with just $1!