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Bump-Up Share Certificates

Introducing Connexus Bump-Up Share Certificates

Enjoy 3.81% APY4 for 24 months and get the option to bump your APY later without fees.

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Connexus Share Certificates

Our Share Certificates and Jumbo Share Certificates offer excellent yields and guaranteed returns. Start today by choosing the term length that works for your investment strategy.

Yields available


Get started by opening your Share Certificate or Jumbo Share Certificate today.

Apply now

Bump-Up Share Certificates

Our 24-month Bump-Up Share Certificate offers the option to bump the rate once during the 24-month term.

Yields available

Share Certificate – Bump-up Rates
TermAPY4
24 months3.81%
Accurate as of 02/01/2023

Open your Bump-Up Share Certificate today.

Apply now

Earn % More By Choosing Connexus*

Our Rates

As High As % APY for

National Average

  % APY for

Big Earnings

You Can Earn %* More With Connexus

Why Connexus?

$5,000 minimum deposit

You don’t need a large investment to start taking advantage of our high yields. However, if you have $100,000 or more, open a Jumbo Share Certificate to maximize your returns.

No checking account required

There’s no catch, and no strings attached.

Safe & secure

Your money is federally insured by the National Credit Union Administration (NCUA) to at least $250,000. Learn more about how NCUA insurance works and estimate your coverage at MyCreditUnion.gov.

Available across the U.S.

Not a Connexus member? That’s okay. You can become a member in minutes.

FAQs: You asked. We answered.

A Bump-Up Share Certificate allows the account holder to increase (or “bump up”) the annual percentage yield once during the term to the current 24-month Bump-Up Share Certificate yield. This option allows the account holder to take advantage of rising yields, should they increase during the term.

You can request a bump to the current 24-month yield by calling our Member Contact Center at 800.845.5025 or visiting your local branch and returning a brief form. We typically process bump-up requests within two (2) business days of the request and the return of the completed form.

When your Bump-Up Share Certificate renews, it will automatically renew into a 24-month Bump-Up Share Certificate at the then-current yield. Your renewed certificate will allow you to bump the yield once during the new term.

Jumbo Share Certificates are the same as our standard Share Certificates except that they have a minimum balance requirement of $100,000 (versus $5,000 for our standard Certificates).

You must:

  • Be a U.S. citizen or resident alien.
  • Be 18 years of age or older.
  • Have a Social Security number and a driver’s license, military ID, passport, permanent resident card, or state-issued ID.

You will be notified via email as to whether or not your account has been approved.

It can take up to three business days for an application to be approved or denied.

If you already submitted an application, you can check its status online.

We do require you to become a member to open a Share Certificate. Becoming a member is easy. See our Membership Eligibility page to get started.

Dividends on Connexus Share Certificates are compounded and credited to your account quarterly. Alternatively, you may choose to have dividends automatically posted to another Connexus account quarterly or paid directly to you in the form of a check.

If your account has an original term of one year or less: The penalty will equal 90 days dividends on the amount withdrawn subject to penalty. If your account has an original term of more than one year, but less than five years: The penalty we may impose will equal 180 days dividends on the amount withdrawn subject to penalty. If your account has an original term of five years or greater: The penalty we may impose will equal 365 days dividends on the amount withdrawn subject to penalty.

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Disclosures

APY = Annual Percentage Yield

See our Fee Schedule for a list of fees you may encounter.

* Accurate as of:  . Source: Datatrac

1Rates are accurate as of 02/01/2023 and are subject to change. Connexus Credit Union membership and $5,000 minimum deposit required. A penalty will be imposed for early withdrawal. Offer not valid on business or organization accounts.

2Rates are accurate as of 02/01/2023 and are subject to change. Connexus Credit Union membership and $5,000 minimum deposit required. A penalty will be imposed for early withdrawal. Offer not valid on business or organization accounts. Special certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal, unless instructed otherwise.

3Rates are accurate as of 02/01/2023 and are subject to change. Connexus Credit Union membership and $100,000 minimum deposit required. A penalty will be imposed for early withdrawal. Offer not valid on business or organization accounts.

4Rates are accurate as of 02/01/2023 and are subject to change. Connexus Credit Union membership and $5,000 minimum deposit required. A penalty will be imposed for early withdrawal. Offer not valid on business or organization accounts. Bump-Up Share Certificates allow a one-time rate increase during the original term plus a one-time rate increase during each subsequent term. You must exercise the bump-up rate increase option during the then-current term. Please see the Truth-in-Savings disclosure for more information.