There aren’t many things that are guaranteed, but thankfully a share certificate is! Earn a fixed rate for the term you choose.

  • Fixed rates, higher than standard savings* 
  • Receive higher rates by selecting a longer term 
  • Provides more guarantee than other risky investments 
  • Set aside for future savings goals 
  • A wide range of terms available (from 6 months to 5 years) 
  • No setup or maintenance fees 
  • Early withdrawals subject to penalty
  • $500 minimum deposit to open

Are you watching share certificate rates change while you're stuck with your present rate? Xplore can now give you the benefit of "trading up" any existing certificate — to a new certificate of equal or greater remaining term (so that you can take advantage of the highest rates available)!

Ask us how we can help you earn more today! 

*APY = Annual Percentage Yield. APY subject to change. Maintenance/activity fees may reduce earnings. Penalty may apply for early withdrawal.

Trade-Up Policy - Xplore's "Trade-Up Your Certificate" program allows you to trade any existing Certificate to a new Certificate of greater or equal term to take advantage of rising dividend rates. The term of the new Certificate must be greater than or equal to the remaining term of the existing Certificate. A Trade-Up  fee of .50% of the principal balance of the existing Certificate will be imposed on each trade-up.  The Trade-Up fee will not exceed the Early Withdrawal Penalty calculated on the original term.  There is no limit to the number of times you can trade up. 

Xplore Federal Credit Union, New Orleans, LA. Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. Xplore Federal Credit Union is an equal opportunity housing lender.

We may provide links to third party sites, independent from Xplore Federal Credit Union. These links are provided only as a convenience. Xplore Federal Credit Union does not manage the operation or content of the website you are about to enter. The privacy and security policies of the site may differ from those of Xplore Federal Credit Union.