PHONE: (330) 745-8897     TOLL FREE: (888) 745-8897

CDS/SHARE CERTIFICATES

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Maximize Earnings with a CD/Share Certificate
A CD/Share Certificate from New Horizon FCU is a smart deposit choice for money you don’t need to access immediately. These savings tools offer the following benefits:
  • Flexible Terms: Term lengths vary from a few months to several years. You select the term that best fits your needs.
  • Guaranteed Interest Rate: Your interest rate is fixed for the term of your CD/Share Certificate. It won’t change, regardless of other interest rate fluctuations. Click here to see our current rates.
  • Dividend Payout Options: When you open your CD/Share Certificate, you’ll choose how your dividend is paid to you. It may be added to the principal, transferred to a regular Share Savings Account, or mailed to your address on file with restrictions.
  • Renewal Options: When your CD/Share Certificate term is about to expire, we’ll notify you. At that time, you can renew your CD/Share Certificate with the same term, switch to a shorter or longer term, transfer the funds to your Share Savings Account or Checking Account, or receive a check for the balance.
  • Deposit Insurance: ┬áCD/Share Certificates are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government through the National Credit Union Share Insurance Fund (NCUSIF).

How to Open a CD/Share Certificate:

  • You must have a Share Savings Account.
  • A minimum $500 deposit is required per CD/Share Certificate opened.
  • Click here to begin opening a CD/Share Certificate online.
  • Visit us in the branch or call us at 330-745-8897 to open a CD/Share Certificate.

CD/Share Certificate Renewals:
If you have received notification that a CD/Share Certificate term is about to expire, please call us at 330-745-8897. If you do not call us, the CD/Share Certificate will renew automatically for the same term and at the current rate.

CD/Share Certificate Penalties:
Penalties are assessed for early withdrawal in the following manner:

  • If the maturity of the CD/Share Certificate is one year or less, the forfeiture of dividends is equal to the smaller of the following two amounts: dividends since the date of issuance or renewal, or 30 days’ dividends.
  • If the maturity of the CD/Share Certificate is more than one year, the forfeiture of dividends is equal to the smaller of the following two amounts: dividends since the date of issuance or renewal, or 90 days’ dividends.
180 Second St. SW, Barberton, OH 44203
Phone: (330) 745-8897 | Toll Free (888) 745-8897
Fax: (330) 745-8055 | Touch Tone Teller: (888) 229-0246
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