Share CertificateEarn a Higher Return Than Traditional Savings Accounts

Share Certificates

If you want to earn a higher interest rate than you get with most savings accounts, a share certificate, also known as “certificate of deposit” are a great way to grow your savings. If you don’t need your savings account for a fixed amount of time, keep the money in your account and watch your savings grow! The returns are guaranteed, and they typically earn a better annual percentage yield than a savings or checking account. When you commit to keep your money invested for a certain amount of time (6 to 60 months), you may face a penalty for early withdrawal, but you can earn higher interest if your money is invested for a set amount of time.

  • Minimum deposit of $500
  • Term options from 3 months to 60 months
  • Higher rates than a Savings account
  • Safe and secure investment
  • Watch your money grow


Text Us


Get your questions answered in real-time. Look for the Chat Icon to appear at the bottom right corner of the page.

Phone Us


(925) 939-5626
Mon, Tue, Thu, Fri: 8:30 AM – 4:30 PM
Wednesday: 9 AM – 4PM

Email Us


Please do not send sensitive personal information (SSN, Account Numbers, etc.) over email as it not secure.



TermMinimum BalanceAnnual Percentage Yield (APY)Rate
3 months*$5002.000%1.982%
6 months*$5003.000%2.960%
12 months$5004.000%3.928%
18 months$5004.000%3.928%
24 months$5003.500%3.445%
36 months$5003.250%3.203%
48 months$5003.250%3.203%
60 months$5003.250%3.203%
Save to Win Certificate
12 months**

your savings

Final Balance


Contributions: $    |   Earnings: $



*Not available for IRA Share Certificates
+ Personal Accounts only. +See Provision 8 for details about the Thrive Rewards Checking account
**See Provision 9 for Save to Win details or visit us online at: Save to Win


Open a certificate account


Not yet a member? Current members

Explore Our Financing Products & Services

A Safe Place for Your Money

A Safe Place for Your Money

Kaiperm members can find comfort in knowing that no matter the size of your deposit, every dollar is safe, secure and 100% insured by the NCUA, up to $250,000. We're here to keep your assets safe as they grow.

Learn more

Skip to content