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Benefits of Investing in a Share Certificate


When it comes to investing, there are plenty of options available in the market. One option that can be easily overlooked is investing in a share certificate. Share certificates are a great investment tool for those who want to earn some extra income without taking on too much risk.

In this blog, we have outlined four important factors you need to know about share certificates and explain some of the benefits of investing your money in these share certificates.

1. Share certificates offer a fixed rate of return.

This means that you know exactly how much you will earn on your investment, which can be reassuring for those who aren’t looking to take on much risk. Additionally, share certificates are insured by the National Credit Union Administration (NCUA), which means that your investment is protected up to $250,000.

2. Share certificates are a great way to diversify your investment portfolio.

By investing in share certificates, you are spreading your money across different industries and companies, which can help to mitigate risk and increase returns. This is a great way to avoid “putting all your eggs in one basket”.

3. Share certificates are a low-maintenance investment option.

Once you invest your money, you don't have to worry about monitoring the stock market or making any adjustments to your investment portfolio. This makes share certificates a great option for those who want to earn some extra income without having to dedicate a lot of time and effort.

4. Share certificates are great for long-term savings goals.

If you have money to put into a share certificate and you know that you aren’t going to need that money in the immediate future, investing in a share certificate is a great way to create a little extra savings for some of those personal long-term goals.

If you're looking for a low-maintenance way to earn some extra income, then investing in share certificates may be the right choice for you! At CES Credit Union, we offer share certificate options that can be explored at the following link, https://bit.ly/48np1N0. If you have any questions about our share certificate options, we encourage you to come speak with us at any of our CES Credit Union locations!

* Certificates (or Share Certificates) earn a fixed dividend rate. A $500 minimum is required to open. APY is the Annual Percentage Yield. A CES Credit Union Share Savings account with at least a $5 minimum balance is also required. Penalties apply to withdrawals made prior to maturity. Federally insured by NCUA.

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