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Fortune

Casey Bond

Share certificates 101: Get the high yield of a CD, plus the benefits of belonging to a credit union

Photo illustration of a metal scale with a clock on one end and a ball of money on the other. (Credit: Photo illustration by Fortune; Original photo by Getty Images)

If you’ve been perusing the best certificate of deposit (CD) rates in search of a place to park your cash, you may have come across something called a share certificate. It’s like a CD…but not, exactly.

So what is a share certificate? And should you be putting your money in one? Here’s what you need to know.

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