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Digital Banking

Share Certificates

If you are looking for a higher return on your savings, a share certificate might be the best option to fit your financial needs. Share certificates grow your investments over time. At the end of the certificate’s term, you are rewarded with additional income that you can reinvest in another certificate or use to cover other expenses. 

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Just $500 to Start

Henrico Federal Credit Union offers certificate terms from 6 months to 36 months to fit your individual financial needs. Your funds are compounded monthly.  To open a certificate you need $500¹. Contact us today to learn more about your options. 

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Youth Certificates

We offer high-yield youth certificates for our members who are 21 and younger. With a $100 minimum deposit and a yield of 5.00% APY², it’s easy for kids, teenagers, and young adults to see their money grow faster.

¹A penalty will be imposed for early withdrawal. Certificate rates are fixed for the term of the account.
²APY = Annual Percentage Yield. Rate effective as of June 15, 2016 for individuals 21 and younger. Penalties for early withdrawals may apply. Penalties or applicable fees may reduce your earnings. Dividend Rate is 5.84%. Limit one account per member. Accounts must be opened with $100 minimum opening balance and $1,000 maximum balance. Term for youth certificate is 12 months. This offer may end at any time without notice. This credit union is federally insured by the National Credit Union Administration.