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Saving for the future is important and share certificates are a great way to do that. Get a higher rate of return on your higher balance savings.

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Build your savings and keep your peace of mind.

Watch your money grow steadily over time while having the security of a guaranteed return on your investment.

Share Certificates

Invest a little, get a lot. If you’re after one of the highest possible interest-earning rates Levo Credit Union has, you can invest your funds into a share certificate with a fixed-rate return over a designated period of time. You choose your term, and cash in when the clock runs out (or re-invest to maximize your dividends). 

What is a Share certificate?

Share Certificates of deposit, commonly referred to as CDs, are deposit instruments that secure your funds for a specific duration. In return, it offers you a fixed annual percentage yield (APY), making certificates a secure and dependable method to increase your savings.

How does it work?

When you invest in a Share Certificate, you commit to keeping your funds in the account for a specific duration, which could vary from a few months to several years. In return, we will provide you with a guaranteed return on your investment, usually at a higher rate than a standard savings account.

Why is it safe?

When it comes to safeguarding your funds, certificates, along with savings and money market accounts, are among the most secure options available. Subject to limitations. The NCUA insures funds held at Levo.

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*Members apply in-branch.

Supporting Your Goals With Higher Yields


Certificates That Will Put Your Savings To Work For You.

Our Certificate pays competitive rates and is simple to set up.

  • 5.06% APY**
  • Term - 9 months
  • Minimum opening balance of $5,000

To open a Certificate, stop into one of our 6 convenient locations or give us a call at 605-334-2471 for more information. NOTE: Members can open a Certificate through your online or mobile banking.

**9-month Promotional Share Certificate Annual Percentage Yield (APY). The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Promotional Share Certificates are available for new and existing members of Levo Credit Union. Minimum opening deposit of $5,000. Penalty for early withdrawal. Limited time offer. Offer may be changed or discontinued at any time. The 9-month Promotional Share Certificate will automatically renew at maturity to a new 6-month share certificate rate. Federally insured by the NCUA.


Last Updated: Apr 15, 2024 2:20:03 PM
Certificate Term Minimum Deposit Dividend Rate APY* Term
3 MONTH CERTIFICATE $2,500 4.00% 4.04% 3
6 MONTH CERTIFICATE $2,500 4.25% 4.30% 6
9 MONTH CERTIFICATE SPECIAL $5,000 5.00% 5.06% 9
1 YEAR CERTIFICATE $500 4.25% 4.32% 12
18 MONTH CERTIFICATE $500 4.00% 4.06% 18
2 YEAR SHARE CERTIFICATE $500 3.10% 3.14% 24
3 YEAR SHARE CERTIFICATE $500 3.05% 3.09% 36
4 YEAR SHARE CERTIFICATE $500 3.05% 3.09% 48
5 YEAR SHARE CERTIFICATE $500 3.10% 3.14% 60
Last Updated: Mar 28, 2024 7:13:55 PM
MINIMUM OPENING DEPOSIT $500 (12-60 months)
$2,500 (3-6 months)
$5,000 (9 months)

Not a member?


*Members apply in-branch.

*APY = Annual Percentage Yield. Rates and Annual Percentage Yields are subject to change monthly as determined by the Credit Union Board of Directors. A complete description of these accounts is available upon request and will be provided at account opening.

Calculate Your Potential


The account requires a minimum opening deposit based on term and APY and is listed above.  Early withdrawal(s) may be subject to either the Regulation D Penalty or the Early Withdrawal Penalty. See disclosures provided during account opening.