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New Money 17-Month Share Certificate
Limited-time 4.5% APY*!
Why choose between a strong return and a sensible timeline? Our new, limited-time 17-Month certificate is designed to hit the sweet-spot, with a term that guarantees your earnings even if rates drop later—and lets you re-up ahead of the 2-year crowd if they don't. Because a great rate doesn't have to mean a longer wait.
Limited time
A short term can still mean a big return!
Lock-in a guaranteed 4.0% APY* for 7 months when you sign up now! Get started online now in five minutes or less, because this offer won’t last long.
Earn more by doing less!
With fixed rates over fixed periods of time, share certificates are the set-it-and-forget-it sure thing when it comes to your savings. You pick the term, and we take it from there! Whether you’re saving for the short-term or setting yourself up for the future, we'll help you do it smart while keeping it simple.
Advantages of Share Certificates
Why a share certificate?
Guaranteed growth, without any of the confusion or constant management.
Higher dividend rates
Certificates come with big savings rates, so that you can stack your money up faster.
Fixed dividend rates
Found a rate that works for you? Lock it in for the full, entire length of your term!
Guaranteed returns
No guessing games. Know exactly how much you’ll make in return right from the start!
Flexible terms
We’re on your timeline! We’ve got you, whether you’ve got a few months or a few years.
No market exposure
Sit back and relax – whatever’s going on with Wall Street, your certificate is all good.
Easy to understand
Certificates are a simple (but super powerful) savings tool that’s easy to get started with!
New Money Share Certificate Rates
Date Updated Oct 4, 2026
17-Month Special Certificate |
|---|
Dividend Rate |
APY |
Wire transfer fees up to $50 will be waived. * Annual Percentage Yield (APY) accurate as of September 16, 2026. $10,000 minimum deposit required to open account and to earn stated APY. Offer applies to new money only — funds not on deposit at orsa within the 30 days prior to account opening. Available at orsa branches and through our Care Center. A penalty of 180 days' dividends may be imposed for early withdrawal. Rate is subject to change without notice. Fees may reduce earnings. Federally insured by NCUA.
Special Share Certificate Rates
Date Updated Oct 4, 2026
7-Month Special Certificate |
|---|
Dividend Rate |
APY* |
13-Month Special Certificate without Direct Deposit** |
Dividend Rate |
APY* |
13-Month Special Certificate with Direct Deposit*** |
Dividend Rate |
APY* |
Wire transfer fees up to $50 will be waived. *APY= Annual Percentage Yield. Minimum to open: $100. Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms.**Initial rate will be set as the default rate for the first two months to allow time for direct deposit connection. ***Accounts will be scanned on the 1st of the month to determine if it qualifies for the elevated rate.
Share Certificate Rates
Date Updated Oct 4, 2026
180-Day |
|---|
Dividend Rate |
APY* |
1-Year |
Dividend Rate |
APY* |
2-Year |
Dividend Rate |
APY* |
3-Year |
Dividend Rate |
APY* |
4-Year |
Dividend Rate |
APY* |
5-Year |
Dividend Rate |
APY* |
*APY= Annual Percentage Yield. APY depends on Member Reward Club status and is subject to change. APY stated above assumes President's Club status. Minimum to open: $100. Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms.
NOT YOUR AVERAGE CD
9-Month MiBux Launch Pad Certificate
Build your savings habit and get rewarded along the way.
MiBux Launch Pad is designed to keep you saving. Add to your certificate throughout the 9-month term, and each month you make a qualifying deposit, your rate gets a 0.25% bump.
How it works:
- Start at 0.27% APY.† Open your MiBux Launch Pad Certificate and start building your savings.
- Make a deposit each month. You can continue adding money to your certificate throughout the 9-month term.
- Get rewarded for saving. Each month you make a qualifying deposit, your rate increases by 0.25%. You can earn one rate bump per month.
- Keep building. Continue making monthly deposits and your rate can grow up to 2.29% APY.‡
The partial month when you open your certificate doesn’t count toward a rate bump. Miss a month? You simply won’t earn a bump that month but you can pick right back up the next month.
‡ To earn the 2.29% APY, member must make a deposit each qualifying month. The deposits can be any amount.
Effective 8/27/26
Share Certificate DETAILS
What’s your savings stack?
If you’re saving for big dreams, like a big boat, you Belong here! Navigate rough financial waters and reel in bountiful savings with a range of short and long-term certificates tailored to your needs and your dreams at orsa credit union.
- Certificates starting at just $100
- Short and long-term options that fit your timeline
- Bonus rates up to .20% on regular certificates
Frequently Asked Questions
Share Certificate FAQ
If you have any further questions, give our Care Center a call at (877) 937-2328 or stop by one of our branch locations!
Share certificates are savings tools that usually offer higher returns than most other accounts by locking up your money for a set period of time, called the certificate’s term. Once that term ends, you get your initial deposit back plus the dividends that your certificate built up!
As a credit union, orsa savings products are Federally Insured by NCUA up to $250,000 with additional coverage up to $100,000 from ESI Corporation.
While everyone has a different financial situation, share certificates are a powerful savings tool for those that want to guarantee hands-off return.
Yes, money earned on a share certificate is considered taxable income. Additionally, certificates with terms longer than one year must have their interest reported each year.
No, the amount in your share certificate is locked in until the maturity date. If you’d like to increase the amount that you’re earning returns on, we recommend exploring opening a second certificate to maximize your money!
Share certificate dividends at orsa are calculated daily, while being compounded and paid quarterly.
There’s no hard limit on the number of certificate accounts you have. In fact, some members do what’s called “laddering”, with multiple accounts that mature at different times. This allows for financial flexibility while still benefitting from longer certificate terms.
Opening a new share certificate at orsa is as easy as earning from one! Simply open your certificate online, in our digital banking portal, at a branch, or through the Care Center by phone at (877) 937-2328!
Other ways to save
The place for savers
Certificates are far from all that we do to help members like you save more. From kickstarting your growth with a High Yield Savings Account to chipping in extra every time you spend, we’ve got something for every step of the savings journey!
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Looking to make your Impossible Dreams possible? Your membership can help make it happen!
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