Term Share Certificate

Earn more with a Term Share Certificate
  • Higher Yields
  • Guaranteed Returns
  • Flexible Terms from 90 Days to 60 Months
  • Deposit Amounts from $1,000 to $1000,000
  • Tiered Rates to Earn More
Give your savings a boost this new year! Earn a competitive rate 4.59% APY* Flex-Term Certificate. Learn More.

Flex-Term Certificate

Flex-Term Certificate

Boosted Earnings On Your Terms

Time to bump up your savings for the new year and earn more with a 4.59% APY* Certificate! That’s almost 2X the national average!**

You can choose the term that best meets your savings goals –
5 months, 9 months, or 13 months with a minimum deposit of $1,000. Our Flex-Term Certificate is available for a limited time, so don’t miss out on the savings boost!

12 Month Growth

12-Month Growth

If you want a safe, ongoing way to save, a 12-month Growth Certificate is for you! You can open the certificate with a minimum of $200, and you can make additional deposits throughout the term at a minimum of $25 per deposit.

Open a Certificate Your Way

If you are not a member, you must open a Primary Savings Membership account before opening the Certificate,
which can also be done online, over the phone, or at a branch.

*APY= Annual Percentage Yield is accurate as of 1/2/24. The current dividend rate is 4.59% APY. Available for new money only. New money is defined as funds not currently or previously on deposit with LA Financial CU or Havasu Community CU. The advertised 4.59% APY with a minimum of $1,000 assumes dividends remain on deposit until maturity. Once mature, a 5-month term certificate will roll over to a 6-month term at the then current rate; 9-month or 13-month term certificates will roll over to a 12-month term at the then current rate. Dividends accrue daily and are paid monthly and at maturity. Early withdrawal penalties apply. This offer is not valid on business accounts. All Credit Union programs, rates, terms, and conditions are subject to change without notice. Offer rates and terms are subject to change without notice. Please see our Account Agreement and Deposit Disclosures Packet at for full terms and conditions. For current dividend rates, go to You must be a member or qualify for membership to open a certificate. Federally Insured by NCUA.

**APY for the Flex-Term Certificate is 2X the national average of 1.86% APY on a 12-month CD as published in the FDIC Weekly National Rates and Rate Caps accurate as of December 18, 2023.