Credit Union Share Certificate Rates in Atlanta, GA
At Excel Federal Credit Union, we help our members grow their savings with confidence. A Share Certificate is one of the most secure ways to save, offering guaranteed returns at competitive dividend rates that consistently outpace what traditional savings accounts offer. Whether you’re saving for a future purchase, setting money aside for a long-term goal, or looking to get more out of funds you don’t need right away, Excel FCU Share Certificates deliver reliable, predictable growth backed by federal insurance.
Current Share Certificate Rates
*Annual Percentage Yield. $500 is required to open the account and a minimum balance of $500 is required to earn the stated APY. Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. Deposits NCUA insured to $250,000. Rates are current effective 4/17/2026 and are subject to change without notice.
**Special promotional as-high-as rates of 3.75% APY for 12 months and 3.60% APY for 6 months require direct deposit. A minimum $500 balance is required to open the account. This is a limited time promotional rate and may expire at any time. Promotional rates are current effective 4/17/2026.
For the most accurate and up-to-date rate information, members can view our full rate sheet online or speak directly with an Excel FCU representative at your nearest branch location.
Why Choose a Credit Union Share Certificate?
Credit unions are member-owned and nonprofit, which means the earnings come back to you, not outside shareholders. That structure is exactly why Excel FCU is able to offer Share Certificate rates that typically outperform what you’d find at a traditional bank.
When you open a Share Certificate with Excel FCU, you get:
- Higher dividend rates compared to standard savings accounts
- Fixed rates that protect your savings from market swings
- Terms ranging from 6 months to 48 months to fit your timeline
- Personal service from a credit union rooted in the Atlanta community
How Share Certificate Rates Work
A Share Certificate works similarly to a Certificate of Deposit (CD) at a traditional bank. You deposit a set amount, choose a term length, and lock in a guaranteed dividend rate for the life of that term. The rate stays fixed no matter what happens in the broader market.
At Excel FCU, Share Certificates start at a $500 minimum deposit and are available in terms of 6, 12, 24, 36, and 48 months. Dividends are compounded and paid quarterly, so your balance grows steadily throughout the term.
At maturity, you can withdraw your funds along with the dividends earned, or roll everything into a new Share Certificate to keep the momentum going. Because the rate is locked in at the time you open the certificate, longer terms often come with higher rates, rewarding members who can commit to a longer savings window.
Share Certificates are designed for money you can set aside and leave untouched. If there’s any chance you’ll need access to those funds before the term ends, a shorter-term certificate or a Money Market Account may be a better fit.
Compare the differences between a share certificate vs a CD.
Is a Share Certificate Right for You?
A Share Certificate tends to be a strong fit if you:
- Want guaranteed growth without the risk of the stock market
- Are saving toward a medium- to long-term goal, such as a home down payment, tuition, or a large upcoming expense
- Prefer higher dividend rates than what a standard savings or money market account offers
- Value fixed, predictable returns over time
If you’re not sure which savings product fits your situation, our team is happy to walk you through the options.
FAQs About Share Certificate Rates
How much do I need to open a Share Certificate at Excel FCU?
The minimum deposit to open a Share Certificate is $500. That same $500 minimum balance must be maintained to earn the stated APY.
What terms are available?
Excel FCU offers 6-month, 12-month, 24-month, 36-month, and 48-month Share Certificate terms. Special promotional rates are currently available on 6-month and 12-month certificates with direct deposit. See the rate table above for current details.
What happens if I withdraw money early?
Share Certificates are designed for fixed-term saving, so there may be early withdrawal penalties that can reduce your earnings. If you think you may need access to your funds before the term ends, a shorter-term certificate or another savings product may be the better choice.
Are Share Certificates insured?
Yes. All Excel FCU Share Certificates are federally insured up to $250,000 by the National Credit Union Administration (NCUA), the credit union equivalent of FDIC insurance at banks.