A Share Certificate/CD is a savings account that generally offers higher dividends when the funds are left on deposit at the credit union for a term (such as 6 months or 12 months). Deposits and withdrawals are not allowed on the account until after maturity, when the certificate can be modified, renewed or cashed out. There is a minimum balance of $1000 for all ESCU certificates. For rates and early withdrawal penalty information, click here.