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Share Certificates in Fayetteville, NC and Southeastern North Carolina

Lock in a guaranteed rate with a Share Certificate from Bragg Mutual FCU — available to members across Fayetteville, NC and Southeastern North Carolina. Secure the most bang for your buck with time horizons from 6 months to 5 years.
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Share Certificates in Fayetteville, NC

In exchange for keeping your funds on deposit for a fixed term, these accounts are able to offer higher dividends.

The longer you leave your funds untouched, the higher the dividends.

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BMFCU Share Certificate Features:

  • Our Highest Dividend-Earning Accounts
  • Guaranteed Interest Rate for the Entire Term
  • Terms Available from 6 Months to 5 Years
  • Interest Compounds Monthly
  • Automatically Renews at Maturity
  • No Setup or Maintenance Fees

BMFCU Share Certificate Requirements:

  • $500.00–$1,000.00 Minimum Opening Deposit (Based on Term)
  • No Additional Deposits After Opening
  • Early Withdrawals May Incur Penalties
  • 10-Day Grace Period After Maturity for Changes or Withdrawal

Share Certificate FAQs

What is a share certificate and how does it work?
A share certificate is a savings product that offers a guaranteed interest rate in exchange for keeping your funds on deposit for a fixed term. Unlike a regular savings account where rates can fluctuate, your share certificate rate is locked in for the entire term — whether that’s 6 months or 5 years. The longer the term, the higher the dividend rate. At maturity the certificate automatically renews unless you choose to make changes during the 10-day grace period.

Bragg Mutual FCU share certificates are available in terms ranging from 6 months to 5 years. Shorter terms offer more flexibility while longer terms typically earn higher dividend rates. The right term depends on when you expect to need access to your funds and your savings goals.

The minimum opening deposit is between $500 and $1,000 depending on the term selected. No additional deposits can be made after the certificate is opened — the rate and balance are fixed for the duration of the term.
Early withdrawals from a share certificate may incur a penalty. If you think you may need access to your funds before the term ends a personal savings account or money market account may be a better fit. Contact Bragg Mutual FCU to discuss the options that best match your needs.
Yes — at maturity your share certificate will automatically renew for the same term at the current dividend rate unless you make changes during the 10-day grace period after maturity. During this window you can withdraw funds, change the term, or make other adjustments without penalty.

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