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Understanding a Credit Union Share Certificate

By Alex Knowlton | October 15, 2025

When it comes to saving and growing your money, it’s important to explore safe and reliable options that align with your financial goals. One tool many members of California Community Credit Union use is a share certificate. If you’ve ever wondered how a share certificate works—or how it might fit into your financial strategy—this article…

You are leaving California Community's website:

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By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to www.ezcardinfo.com

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

NOTICE TO USERS
Communications made through CACCU’s website shall not be deemed to and shall not constitute legal or official notice to CACCU, its officers, employees, representatives, or agents with respect to any existing, pending, or future claim or cause of action against CACCU or any of its officers, employees, representatives, or agents, including where notice is required by federal, state, or local law. No communication to CACCU made through this website shall be deemed to constitute legal or official notice for any purpose.

DISCLAIMER
Neither CACCU, the Board of Directors of CACCU, nor CACCU’s officers, employees or agents warrant the accuracy or timeliness of any information provided on or via this website and nor any information contained via third party links. CACCU provides this website as a courtesy to users. Users of this website are responsible for checking the accuracy, completeness, content, currency, suitability, and timeliness of all information provided via this website. CACCU specifically disclaims any and all liability for any claims or damages that may result from providing the website or the information it contains, including any websites maintained by third parties linked to or referenced in this website.

You are leaving California Community's website:

Click to Continue to www.mobicint.com

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

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Click to Continue to Facebook

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

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Click to Continue to LinkedIn

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to Instagram

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to Datatrac

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to mycreditunion.gov

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to sco.ca.gov

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to ssa.gov/myaccount

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

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Click to Continue to www.identitytheft.gov/#/

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to http://www.idtheftcenter.org/

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to http://www.privacyrights.org/

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to https://privacyrights.org/categories/identity-theft

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to https://consumer.gov/section/scams-identity-theft

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to https://www.fbi.gov/scams-and-safety

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to https://www.aarp.org/money/scams-fraud/about-fraud-watch-network.html?cmp=RDRCT-CSN-FRD-ABT-APR2021

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to https://www.consumer-action.org/outreach/articles/resources_for_learning_about_scams

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to https://www.ssa.gov/myaccount/

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to https://oig.ssa.gov/report/

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

You are leaving California Community's website:

Click to Continue to http://www.ic3.gov

By continuing to this link, you will no longer be subject to, or under the protection of, the privacy and security policy of California Community Credit Union's website. The privacy and security policies of the site you are entering are different from California Community Credit Union's. California Community Credit Union does not endorse or guarantee any products, information, or recommendations provided by this linked website.

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Notice to Users/Disclaimer

Bauer-California Community Credit Union Jan 2026

Your shares are insured for $500,000. The National Credit Union Administration (NCUA), an agency of the United States Government, provides member deposit insurance for up to $250,000 and American Share Insurance (ASI), a private licensed insurance company, provides additional member deposit insurance for up to $250,000.

In the event of a discrepancy between the information on this website and official information available at branch offices, the official information provided at the branch office level shall prevail.

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