Grow Your Savings With a 9-Month Term Share Certificate
Looking to put your savings to work without a long commitment? Our 9-Month Term Share Certificate offers a competitive 3.30% annual percentage yield — giving your money a boost while keeping your timeline short and simple.
Whether you’re saving for a future goal, building your emergency fund, or just earning more on funds you won’t need immediately, this certificate strikes a smart balance of flexibility and return.
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Why Invest in a Certificate?
Guaranteed Growth
Your rate is locked in for the full 9 months — no surprises from market swings. Your return is predictable and secure.
Safe and Federally Insured
Your certificate is backed by the strength of cPort Credit Union and insured by the NCUA.
Perfect for Planning
With a defined maturity date, it’s ideal for medium-term plans, future travel, home improvements, or a stepping stone into longer-term savings.
How It Works
Open a Certificate
Get started with a minimum share balance of $500.
Lock in Your Rate
Your dividend rate of 3.25% is fixed for 9 months.
Earn More With Classic Account
If your age is 50+, you’ll automatically earn +0.10% over the base rate on your certificate dividends.
Watch Your Savings Grow
At maturity, you can renew, reinvest, or use your earnings toward your plans.
Earn Even More if You’re 50 or Older
If you’re 50 years of age or older and hold a Classic Account with cPort, you qualify for an additional 0.10% dividend over the base rate — helping you maximize your earnings even more. That means your savings work harder while you enjoy the benefits of your cPort membership.
Share Certificates
Effective as of February 1, 2026.| Term | Dividend rates | APY | Classic Account Dividend Rates | Classic Account APY |
|---|---|---|---|---|
| 3 Months | 2.65% | 2.68% APY | 2.75% | 2.78% APY |
| 6 Months | 2.70% | 2.73% APY | 2.80% | 2.83% APY |
| 9 Month Special | 3.25% | 3.30% APY | 3.35% | 3.40% APY |
| 12 Months | 2.80% | 2.84% APY | 2.90% | 2.94% APY |
| 18 Months | 2.85% | 2.89% APY | 2.95% | 2.99% APY |
| 24 Months | 2.90% | 2.94% APY | 3.00% | 3.04% APY |
| 30 Months | 2.95% | 2.99% APY | 3.05% | 3.09% APY |
| 36 Months | 3.00% | 3.04% APY | 3.10% | 3.14% APY |
| 48 Months | 3.05% | 3.09% APY | 3.15% | 3.19% APY |
| 60 Months | 3.10% | 3.14% APY | 3.20% | 3.24% APY |
| APY = Annual Percentage Yield. $500 minimum balance required to open. We may impose a penalty for early withdrawal. Fees could reduce earnings on any account. IRA eligible. | ||||