Share Certificates

Our Share Certificates give you the best return for your money with flexible terms.

Share Certificates


OTIS Share Certificates allow you to earn higher dividends on your funds than you would in a typical Share Account. You can open a Share Certificate with as little as $500 and have it mature on a date of your choice. The longer the term that you select, the higher the rate that you will earn on your funds!

Please note: Withdrawing your funds before the duration of the pre-selected term will result in a penalty.


Share & IRA Fixed Rate Certificates

Available TermsDividend RateAnnual Percentage YieldMinimum Required Balance
6 to 11 Months1.60%1.61%$500.00
12 to 23 Months1.90%1.91%$500.00
24 to 35 Months2.40%2.43%$500.00
36 to 47 Months2.60%2.63%$500.00
48 to 59 Months2.80%2.84%$500.00
60 Months3.10%3.14%$500.00
Rates effective 11/2/2018. All Certificate renewals are automatic. Withdrawals of dividends are allowed. Additional deposits are not allowed. Your certificate account will mature within the term set forth at the left or the maturity date set forth on your Certificate or maturity notice. The credit union will give the owner(s) at least 10 days notice prior to maturity.
Truth in Savings Disclosure
Early Withdrawal Penalties Certificates