Share Certificates

ElecTel offers highly competitive dividend rates on Share Certificates for terms of 90 days to 36 months. A low $500 minimum deposit lets you maximize your yield with the complete security of NCUA insurance. You’ll also enjoy:

  • A dividend rate that’s guaranteed throughout the term
  • Maximum return with dividends compounded and posted monthly
  • Statements detailing dividend earnings
  • At the end of the share certificate term, you will receive a maturity notice with a 10-day grace period. Take this opportunity to select another term, add funds to your account, or allow your certificate to renew automatically.

Please visit our rates page for more information, or call us at 1-800-849-5600 for our current specials!


IRAs are more flexible than they’ve ever been. They’re no longer considered strictly retirement saving tools because they can help you pay for college, a first-time home purchase and more. Plus, with Roth IRAs, you can withdraw your regular contributions tax and penalty free* at any time, for any reason – as long you don’t tap into your earnings.

If you have additional questions, please contact us at 1-800-849-5600 or email at for up to date details on all of our IRA products.