Share Certificates

Certificates are specific amounts of money invested for a specified amount of time. Lion's Share offers various rates and terms to suit your investment needs.

The minimum balance to open a certificate is $500.00.  Dividends are paid quarterly and are based on the certificates average daily balance for that three-month period. Dividends can be added to the certificate or paid into a separate share account if you prefer.

Certificates are automatically renewed unless you let us know you in advance. A notice of renewal reminder is sent out approximately one month prior to the renewal date. Once a certificate is opened, additional deposits are allowed only during the renewal process.  Withdrawals can be made to share certificates during the renewal period without penalty.

Should you need to close a share certificate prior to the end of term, an early withdrawal penalty will be charged. Share certificate early withdrawal penalties are:

  • 6 or 12 month Share Certificate = 30 Days of Dividends
  • 24 month Share Certificate = 90 Days of Dividends
  • Mini-Jumbo Share Certificate = 6 Months of Dividends
  • Save to Win Share Certificate = 1st W/D = $25 Penalty  
                                                                         2nd W/D = Account Closure


CertificatesRate (APR)APY* Term
Share Certificate
6 month
.90 .90 6 Months
Share Certificate
12 month
1.401.4012 Months
Share Certificate
24 month
1.901.9124 Months
Share Certificate
$50,000 Minimum Balance Required
Limited Time Availability
2.002.0212 Months
Save to Win
Share Certificate
12 month
$25 Minimum Balance Required
0.400.40 12 Months
All Certificates require a minimum $500 minimum balance unless otherwise stated.
Dividends Paid Quarterly

APR = Annual Percentage Rate
APY = Annual Percentage Yield