The minimum balance for a 3 year share certificate is $10,000.  Dividends are paid quarterly.  There are 3 different methods to receive your dividends.  One method is to have them compounded into your share certificate.  This will enable you to earn dividends on your dividends.  You can also have your dividends disbursed to you quarterly by check or have them transferred to one of your credit union share accounts. 

 

When your share certificate matures you have the options of cashing it in or leaving it alone and letting it roll over.  You have a 10-day grace period to decide what you would like to do with your share certificate.