{"id":15047,"date":"2026-01-21T18:30:48","date_gmt":"2026-01-21T18:30:48","guid":{"rendered":"https:\/\/poefcu.org\/?page_id=15047"},"modified":"2026-03-04T02:37:29","modified_gmt":"2026-03-04T02:37:29","slug":"share-certificates","status":"publish","type":"page","link":"https:\/\/poefcu.org\/index.php\/share-certificates\/","title":{"rendered":"Share Certificates"},"content":{"rendered":"<div id=\"cmsmasters_row_oswnqulxvj\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_j3z9cyi218\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_img  cmsmasters_image_n\"><img decoding=\"async\" src=\"https:\/\/poefcu.org\/wp-content\/uploads\/2026\/01\/savings-accounts-banner.jpg\" \/><\/div>\n<\/div><\/div>\n<div id=\"cmsmasters_column_cbry6b0q58\" class=\"cmsmasters_column one_half\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_heading_iiuoh0cbrm\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h4 class=\"cmsmasters_heading\">SHARED CERTIFICATES<\/h4>\n<\/div><div id=\"cmsmasters_fb_694xv1th5g\" class=\"cmsmasters_featured_block\">\n<div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_ju3rsysjtt\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Share Certificates at POE FCU are a type of fixed-term savings account offered to credit union members. <\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<p>They\u2019re the credit-union equivalent of a bank\u2019s Certificate of Deposit (CD) \u2014 you deposit money for a specific period and in return earn a higher dividend rate (interest) than you would with a regular savings account.<\/p>\n<p class=\"\">Share Certificates from POE FCU are an excellent investment opportunity if you do not need immediate access to your funds and want to invest for longer periods to obtain high rates of return. There is a minimum opening deposit of $1,000.00.<\/p>\n<\/div>\n<div id=\"cmsmasters_fb_9mjh32y93t\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Test\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<p style=\"text-align: left;\"><div id=\"cmsmasters_button_zt9rfz2xic\" class=\"button_wrap\"><a href=\"https:\/\/poefcu.org\/index.php\/rates\/\" class=\"cmsmasters_button\"><span>VIEW CURRENT RATES<\/span><\/a><\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_febc6l12sd\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_kmypgz5pz\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div id=\"cmsmasters_fb_nnrj4uvoi9\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Apply%20Now!\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_4r0coi0gfe\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">Key Features Of Shared Certificates<\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<ul>\n<li data-start=\"629\" data-end=\"768\"><strong data-start=\"629\" data-end=\"649\">Higher earnings:<\/strong> Fixed dividend rates that are typically higher than standard savings accounts.<\/li>\n<li data-start=\"629\" data-end=\"768\"><strong data-start=\"771\" data-end=\"786\">Fixed term:<\/strong> You agree to keep your funds untouched for a set period (the term).<\/li>\n<li data-start=\"629\" data-end=\"768\"><strong data-start=\"897\" data-end=\"930\">Penalty for early withdrawal:<\/strong> If you take your money out before the certificate matures, a penalty may apply (this is standard with most certificates).<\/li>\n<li data-start=\"629\" data-end=\"768\"><strong data-start=\"1095\" data-end=\"1114\">NCUA insurance:<\/strong> Funds in Share Certificates are federally insured by the <strong data-start=\"1172\" data-end=\"1212\">National Credit Union Administration<\/strong> up to applicable limits (similar to FDIC insurance at banks).<\/li>\n<\/ul>\n<\/div>\n<div id=\"cmsmasters_fb_qbhauja8d\" class=\"cmsmasters_featured_block\">\n<a href=\"http:\/\/Apply%20Now!\" class=\"featured_block_link\"><\/a><div class=\"featured_block_inner\">\n<div class=\"featured_block_text\">\n<div id=\"cmsmasters_heading_jbktd1h1vl\" class=\"cmsmasters_heading_wrap cmsmasters_heading_align_left\">\n\t<h2 class=\"cmsmasters_heading\">POE FCU Has The Following Share Certificate Options Available<\/h2>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<div class=\"cmsmasters_text\">\n<ul>\n<li><strong>6 Months<\/strong><\/li>\n<li><strong>1 Year<\/strong><\/li>\n<li><strong>2 Years<\/strong><\/li>\n<li><strong>5 Years<\/strong><\/li>\n<\/ul>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div id=\"cmsmasters_row_0qnsh5l3s4\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_t1fdptdij\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_text\">\n<p data-start=\"2019\" data-end=\"2180\">For more information, visit one of POE Federal Credit Union\u2019s branches or contact a savings account specialist to get started on your Share Certificate savings account today.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-15047","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15047","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/comments?post=15047"}],"version-history":[{"count":2,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15047\/revisions"}],"predecessor-version":[{"id":15493,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15047\/revisions\/15493"}],"wp:attachment":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/media?parent=15047"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}