Lock in a great rate! You pick the amount and term from a wide range of Share Certificate accounts that best fit your investing needs. With as little as $500, you can have a flexible, guaranteed investment at a premium dividend rate and a term length of your choosing. Share Certificates generally pay higher dividends than regular Savings or Money Market accounts because the funds are left on deposit for a fixed time. Basically, the longer the term and the higher the balance, the better the rate of return. There is a dividend rate penalty if you withdraw the funds prior to the end of the term. Check out our dividend rates now for the current annual percentage rates and yields.