For members looking for a longer term investment, we offer great rates on our share certificates available in terms from 6 months to 60 months. 

Earn more by investing for a longer term

A Share Certificate allows you to invest your money for a longer period of time and earn a higher yield for doing so.  Open a certificate with as little as $1000.00. 


  • Earn a higher yield on your funds
  • Rates ranging from .30% APY to 1.81% APY
  • Terms up to 60 months
  • Insured by the NCUA for up to $250,000


  • Minimum balance of $1000 required to open
  • Early withdrawal fee for 6 - 12 month terms is 90 days of dividends
  • Early withdrawal fee for 24 - 60 month terms is 180 days of dividends
Make more with your money by opening a Share Certificate!
Effective Jan 2, 2018
Share Certificates Dividend Rate APY* Min. Bal.^ Calculator
6 Months .30% .30% $1000 Calculator
12 Months .55% .55% $1000 Calculator
24 Months 1.02% 1.02% $1000 Calculator
36 Months 1.31% 1.32% $1000 Calculator
48 Months 1.51% 1.52% $1000 Calculator
60 Months 1.81% 1.82% $1000 Calculator
All share certificates are variable rate and as such, rates are subject to change at any time without prior notice. Fees or other conditions may reduce earnings. There is a penalty for early withdrawal. For terms up to 12 months, this is 90 days of dividends. For all remaining terms, this is 180 days of dividends. Please consult a credit union employee for more information. Dividends are declared quarterly.

* Annual Percentage Yield.
^ Minimum balance required to earn stated APY.

Opening an account is easy! Just follow these simple steps:

Adding a product or service to your account

  1. Download our account terms & conditions.
  2. Download and complete our Membership Change Form.
  3. Mail the application to:
    Chesterfield Federal Credit Union
    Attn: New Accounts
    P.O. Box 820
    Chesterfield, VA 23832
    Make sure you include a copy of your driver's license.
We make it easy to open a new account with us!
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens any savings, checking or other account, is added as a signer on any account or who signs for a loan.
What this means for you is that when you open any type of account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We will also ask to examine your driver's license or other identifying documents and we will retain copies of documents used to verify your identity.We ask for your understanding as we work to support these efforts to maintain the security of your funds and to protect against terrorist financing. Please speak with a staff member if you have questions or concerns about our identification policies.

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