Share Certificates

Our Term Share Certificates earn competitive yields with flexible terms and no risk. Start earning higher dividends on your savings by locking in a term of your choice:

  • Minimum opening deposit of $1,000.00
  • Competitive fixed dividend rates
  • Flexible terms from 6 to 36 months – early withdrawal penalties may apply.

Download the Share Certificate Request.

Check out our current Certificate rates.

(Rates effective as of June 1, 2015)

*The Dividend Rate for each Term Share (Certificate and IRA Certificate) Account is set forth above. For purposes of this disclosure, such Dividend Rates were offered within the most recent seven calendar days and were accurate as of the date set forth above. Rates are subject to change—please call the POPA office nearest you for current rate information.

**The Annual Percentage Yield (APY) on all accounts may change every month, as determined by the Credit Union’s Board of Directors. Fees for other conditions could reduce earnings on any of the listed accounts. All accounts are subject to the terms and conditions set forth in the Credit Union’s Account Agreement and Truth-in-Savings disclosure. Rates and programs are subject to change without notice.

Term Balance Dividend Rate* APY**
6 Months $1,000.00 – $24,999.99 0.449% 0.45%
6 Months $25,000.00 – $49,999.99 0.549% 0.55%
6 Months $50,000.00 + 0.648% 0.65%
12 Months $1,000.00 – $9,999.99 0.598% 0.60%
12 Months $10,000.00 – $49,999.99 0.698% 0.70%
12 Months $50,000.00 – $89,999.99 0.797% 0.80%
12 Months $90,000.00 – $199,999.99 0.847% 0.85%
12 Months $200,000.00 + 0.896% 0.90%
18 Months $1,000.00 – $9,999.99 0.648% 0.65%
18 Months $10,000.00 – $49,999.99 0.747% 0.75%
18 Months $50,000.00 – $89,999.99 0.847% 0.85%
18 Months $90,000.00 – $199,999.99 0.896% 0.90%
18 Months $200,000.00 + 0.946% 0.95%

*The Dividend Rate for each Term Share (Certificate and IRA Certificate) Account is set forth above. For purposes of this disclosure, such Dividend Rates were offered within the most recent seven calendar days and were accurate as of the date set forth above. Rates are subject to change—please call the POPA office nearest you for current rate information.

**The Annual Percentage Yield (APY) on all accounts may change every month, as determined by the Credit Union’s Board of Directors. Fees for other conditions could reduce earnings on any of the listed accounts. All accounts are subject to the terms and conditions set forth in the Credit Union’s Account Agreement and Truth-in-Savings disclosure. Rates and programs are subject to change without notice.

Term Balance Dividend Rate* APY**
24 Months $1,000.00 – $9,999.99 0.896% 0.90%
24 Months $10,000.00 – $49,999.99 0.946% 0.95%
24 Months $50,000.00 – $89,999.99 0.995% 1.00%
24 Months $90,000.00 – $199,999.99 1.045% 1.05%
24 Months $200,000.00 + 1.094% 1.10%
36 Months $1,000.00 – $9,999.99 1.094% 1.10%
36 Months $10,000.00 – $49,999.99 1.243% 1.25%
36 Months $50,000.00 – $89,999.99 1.342% 1.35%
36 Months $90,000.00 – $199,999.99 1.391% 1.40%
36 Months $200,000.00 + 1.440% 1.45%