Share Certificates

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

To open a share certificate at Nusenda Credit Union, the minimum balance is $1,000, or $500 for an IRA Certificate. Terms range from 90 days to 5 years and accommodate a variety of financial plans. Bump Rate Certificates are available in 18-month and 36-month terms and provide flexibility to “bump up” the rate of your certificate once if rates rise during your term. You can also deposit additional funds to your certificate at that time. Want to earn even higher interest rates? Try a tiered certificate on a 36-month, 48-month, or 60-month term.

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!

Traditional IRA >

Nusenda offers traditional IRA's to help you meet your retirement planning goals. Learn more

Roth IRA >

Get an IRA with tax savings deferred for earnings and withdrawals.  Learn more

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

Share Certificate Benefits

You can use any of your Nusenda Credit Union Visa debit and credit cards with Apple Pay™!

Product Comparison

Compare Nusenda Credit Union share certificates to some of the competition.

Financial Institution Monthly Maintenance Fee* Maintenance Fee Waived Opening Balance Fee-free ATMs
Nusenda Credit Union $5.00 $250 average relationship balance, OR enrolled in eStatements, OR under age 21 $25.00 More than 200 in NM; nearly 30,000 nationwide
Wells Fargo
Everyday Checking
$10.00 $1,500 daily balance; 10 debit card transactions monthly; $500 in qualifying direct deposits or linked Campus ATM or Debit Cards $50 More than 80 in NM
Bank of America
Core Checking
$12.00 $1,500 average daily balance; $250 or more in qualifying direct deposits; OR Preferred Rewards Clients $250 More than 80 in NM
Bank of Albuquerque
Access Checking
$5.95 If enrolled in online statements or self-service for all deposits and withdrawals $50 More than 60 in NM
Bank of the West
Easy Checking
$8.00 for online statements
$1,000 average monthly balance; $250 or more direct deposits; OR debit card used for 10 or more transactions $100 More than 20 in NM

* Fees may vary, and additional fees may apply. Fees as of July 2015.


You’ve come to the right place to get the information you need to manage day-to-day share certificate situations.


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