Share Certificate (CD) icon

Limited Time Offer
% APY1

Earn 3.00% APY when you move your money from an outside bank to a OneAZ 12-month Share Certificate.

Act fast to take advantage of this rate!

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What is a Share Certificate?

A Share Certificate is a low-risk savings option that allows you to earn a high reward on your money. If you’re familiar with a Certificate of Deposit (CD) that banks offer, Share Certificates work in a similar way – this type of account comes with a fixed dividend rate that is higher than a traditional savings account and matures over a set term.

OneAZ offers terms ranging from 3 to 60 months, so you can choose the option that fits your needs. A $2,000-minimum deposit is required to open a Share Certificate account at OneAZ.

Benefits of a Share Certificate

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Term options

Terms available from 3 months to 5 years.

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High dividends

Lock in your dividend rate for guaranteed earnings.

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Insured by NCUA

Your deposits are insured up to $250,000.

What is the difference between a Share Certificate and Certificate of Deposit (CD)?

Share Certificates and a Certificate of Deposit are similar in the way they function. They both come with a fixed dividend rate that is higher than a traditional savings account and matures over a set term.

The major difference between the two is where you get them. Banks offer CDs, while credit unions offer Share Certificates. They're titled this way because when you open a share certificate, you are essentially purchasing a share of the credit union. Credit unions are owned by their members, which is why we’re able to offer higher returns on things like Share Certificates.

Frequently Asked Questions about Share Certificates

A Share Certificate is similar to a certificate of deposit (CD) at a bank. You commit your funds for a set term and your deposit grows at a locked in interest rate that is typically higher than a traditional savings account.

OneAZ Share Certificates are available in the following term options:

3, 6, 12, 18, 24, 30, 36, 48, and 60 months

OneAZ has a $2,000 minimum to open a Share Certificate account.

Many Share Certificates contain minimum balance amounts to open and have a penalty for withdrawing funds early.

The OneAZ penalty for withdrawing the funds early will depend on the term of your share certificate. For more details, see the Schedule of Fees.

Let’s Learn Together.

Saving Resources

To learn more about getting the most out of your savings account, check out our Financial Resources Guide. Here you’ll find articles that will help you learn to maximize your savings, determine what to use a Share Certificate for, and strategize your savings for every stage in your life.

Maximize Your Savings

Here's what to look for in a savings account and the differences between regular savings accounts, money market accounts and share certificates.

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Savings Goals at Every Age

How much should you be saving at every age? Whether you’re 20 or 60 years old, savings should always be at the forefront of a good financial plan.

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7 Wealth Building Steps Gen Z Should Take Now

If you’re part of Gen Z and looking to get started building wealth, follow these 7 steps to level up your saving and building wealth game.

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Why Choose OneAZ?

At OneAZ, our mission is to truly improve the lives of our members, our associates and the communities we serve. By becoming a member, you’re joining a credit union that cares about your future – we are here to help you achieve your financial goals. We put you first by providing you with competitive rates, low fees and the personalized service you deserve.

  • You’re a Member, not a number. Your membership is your ownership stake in OneAZ Credit Union. That means we’re accountable to you, not investors or stockholders. You have a voice in how your credit union operates and get to vote for our Board of Directors.
  • Our profits are your savings. As a not-for-profit, we return our earnings to you in the form of lower interest rates, lower fees and better banking technology. Our team only cares about providing you with products and services that will benefit your financial well-being.
  • We keep it local. Banking at a local credit union like OneAZ keeps your money in Arizona. We’re committed to strengthening Arizona’s economy by providing affordable home and auto loans, empowering local entrepreneurs and small businesses, and supporting our members as they achieve their financial goals.
  • We invest in your community. We build stronger communities by providing support to nonprofits working in neighborhoods where our members live and work. The OneAZ Community Foundation uplifts the lives of Arizonans in need by awarding dozens of grants each year to local organizations across the state.

1 APY = Annual Percentage Yield. To receive the promotional 3.00% APY rate, the account must be opened with funds not currently held with OneAZ Credit Union (i.e., New Money). Minimum opening deposit of $2,000 required. This is a limited time promotional offer available in branches only and subject to change or end at any time. Promotional APY not available on IRA or Business Certificates. Share certificates will renew at current OneAZ rates upon maturity. No monthly mainenance fees, early withdrawal penalties may apply. See Consumer Membership Account Agreement Disclosure for additional terms and conditions. Membership qualifications apply. For membership eligibility visit

Insured by NCUA

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