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Share Certificates - Baton Rouge

A woman passing a piece of white paper for a share certificate through a credit union teller window at Essential Credit Union Baton Rouge

Grow your savings confidently with Share Certificates in Baton Rouge. Whether you’re new to Essential Credit Union or an existing member, our share certificates offer a secure way to earn competitive rates with a fixed interest rate over terms ranging from 3 months to 5 years.

With just a $500 minimum deposit, you can choose the term that best fits your financial goals. Your rate stays fixed for the entire certificate term, and dividends are paid monthly or quarterly. Plus, your funds are federally insured by the NCUA for added peace of mind.

Getting started is easy:

  • New Members: Open a share account with a $5 minimum, then add your share certificate.
  • Existing Members: Log in to online banking to instantly apply and fund your certificate.

Looking for the best share certificate rates in Baton Rouge? Check out our competitive rates here.

Have questions? Contact us anytime or visit our Siegen Branch in Baton Rouge.

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Certificate Calculator

Build a Brighter Future.
Determine which certificate term works best and how much you should initially deposit to achieve your savings goals.
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Certificate Term (Months)
Future account balance:
Interest earned:
Open a share certificate account with and it will grow to in months. The account will have earned in interest.

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Why Choose a Share Certificate?

Share Certificates are a smart choice for anyone looking to grow their savings without risk. Unlike traditional savings accounts, certificates offer higher, fixed rates—so you’ll know exactly how much you’ll earn over time.

At Essential Credit Union in Baton Rouge, our Share Certificates are designed to help you:

  • Earn More: Enjoy competitive, guaranteed returns on your savings.
  • Save Securely: Your funds are federally insured by the NCUA, giving you peace of mind.
  • Stay Flexible: Choose terms that fit your goals — from short 3-month options to longer 5-year terms.
  • Start Easily: Open with as little as $500 and watch your savings grow automatically.

Whether you’re saving for a big purchase, building your emergency fund, or simply want predictable growth, a Share Certificate is a reliable way to make your money work harder.