Make Your Money Work Harder! Open a Share Certificate Today!

A Share Certificate (CD) from B‑M S Federal Credit Union is one of the most reliable ways for members to grow their savings with steady, guaranteed returns. A CD functions as a specialized savings account with a fixed interest rate, a set term length, and a fixed maturity date, offering higher earnings than a standard savings account. By locking in your funds for the duration of the term, you secure dependable dividends while enjoying the confidence of a safe, insured investment.

B‑M S FCU’s CD rates are better than ever, offering some of the most attractive yields available. As of the most recent update on March 1, 2026, members can earn rates such as 3.44% APY on a 6‑month term, 3.65% APY on a 1‑year term, and up to 3.75% APY on a 5‑year term, depending on the term selected. These competitive rates surpass many traditional savings options and provide members with a high‑value opportunity to grow funds without market volatility. 

Opening a CD is simple: members need only a $1,000 minimum balance to begin. After opening, your rate remains locked for the entire term, ensuring predictable returns. Early withdrawals may incur penalties, reinforcing the CD’s role as a long‑term savings tool. 

Backed by B‑M S FCU’s commitment to delivering strong financial value to its members, Share Certificates offer a secure, high‑earning path to building long‑term savings. It’s a smart, stable investment—especially with today’s elevated rates.

Open your account today!