inspiring our members to achieve financial success

Share Certificates

Give Your Savings A Boost
For long-term savings goals such as retirement or helping your children with college costs, Oxford Federal Credit Union Share Certificates are a safe, easy way to earn a better rate of return on your money.

Simply decide how much money you’d like to set aside, and the length of time you’d like to save. Terms range from 3 months to 5 years.

An Oxford FCU Share Certificate:

  • Offers a competitive, guaranteed rate of return
  • Pays higher dividends than traditional savings
  • Is Federally insured by the NCUA up to $250,000 and an additional $250,000 of insurance is provided by Excess Share Insurance (see tab below)
  • Renews automatically
  • Share Certificates can be used as Collateral for Share Secured Loans (see tab below)

Share Certificate Terms and Balances

  • 3-month term, $500 minimum balance
  • 6-month to 5-year term, $1,000 minimum balance
  • Jumbo ($95,000 and greater) Share & IRA Share Certificates are also available
  • Youth Certificates can be opened with just $100
  • Early withdrawal penalties may apply


 Apply online for a Share Certificate or to learn more, call us at 800.991.9219.

Excess Share Insurance: Increased Insurance at No Cost to Members

Oxford Federal Credit Union members share accounts are now insured up to $500,000.00. This coverage is a combination of $250,000 per member provided by the National Credit Union Administation (NCUA), an agency of the federal government, and $250,000 per member provided by the Excess Share Insurance Corp. (ESI), a licensed property and casualty insurer.

Because Individual Retirement Accounts (IRAs) are insured separately, your share and retirement accounts at Oxford FCU have a combined federal/private insurance coverage amount of $1,000,000.00.

ESI coverage is available to credit unions that meet strict underwiting criteria, which reflects Oxford FCU's committment to safety and security. This increased level of deposit insurance is available at no cost to our members.

Get the Loan You Need
Have you been denied a loan due to lack of credit history or poor credit? A (Share) Savings Secured Loan is secured by the funds in your account. By borrowing against your savings, you can establish new credit or re-establish credit by paying off the balance of your secured loan. Perhaps you have established credit and want to pay a lower interest rate? Use the money in your account to get one of our lowest loan rates available.

  • No Credit Check Required
  • Great way to Establish and Build Credit
  • Continue to Earn Interest on your Savings
  • One of our Lowest Loan Rates Available
  • Get Cash for any Purpose

Apply Online or call us at 1.800.991.9219