Share Certificates

Earn more, enjoy more. Choose a Nusenda certificate account today.

Nusenda’s Share Certificates are savings certificates that make investing affordable, with low balance requirements. They often pay higher rates of return than other savings account options. Dividend rates are term-fixed, in most cases, and you can withdraw dividends at any time without penalty (as long as you’re not withdrawing your principal).

You can earn up to 1.20% Annual Percentage Yield (APY)*, based on your initial investment, with a Nusenda Credit Union share certificate. Minimum balance to open a share certificate is $1,000 ($500 for an IRA certificate). Terms range from 90 days to five years and fit well into a variety of financial plans. Bump rate certificates are also available, providing the flexibility to “bump up” the rate of your certificate one time if rates rise during your term. You can also deposit additional funds to your certificate at that time.

Our new options offer the stability of guaranteed interest rates — simply choose the amount and length of term that works for you and your investment goals.

Certificate and IRA Certificate Rates

Certificates & IRA Certificates

Not sure which certificate option is right for you? We’re here to help you plan for a healthy financial future in a way that works best for your needs. To explore your options, contact us today!


Call us at 505-889-7755 (800-347-2838 outside the Albuquerque area) or make an appointment at a branch near you.

Become a member today to open your share certificate account.


Certificates & IRA Certificates

Schedule An Appointment

Schedule an appointment with a Financial Consultant to learn more about our Share Certificates. Call 505-889-7755 (800-347-2838 outside the Albuquerque area), or visit your favorite branch for more information.


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Federally Insured By NCUA

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Access your account when you are away from home, thanks to the Credit Union Shared Branching Network or CO-OP network of nearly 30,000 ATMs

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Easy online access to your account through online banking and the Mobile App