Investment Products
Looking to invest with the SPCCU? Build your ownership stake with Permanent Shares, or lock in a fixed return with a Certificate of Deposit.
- Per share
- $5.00
- CDs from
- 1.25%
- CD term
- 1 year+
Your investment options
Two ways to grow your money with the credit union.
Build your ownership stake in the credit union with Permanent Shares, or lock in a guaranteed return with a Certificate of Deposit.
Compare investments
Published terms. Select an investment for full details.
| Product | Interest | Investment | Term | Details |
|---|---|---|---|---|
| Permanent SharesYour long-term investment in, and ownership of, your credit union. $5.00 per share. | Ask in branch | $5.00 a share; 20 to join | Not withdrawable | Details of Permanent Shares |
| Fixed Deposits / CDsInvest funds for a minimum term of one year at a fixed interest rate. | 1.25% – 1.5% | — | 1 year minimum | Details of Fixed Deposits / CDs |
Certificate of Deposit rates
Effective October 7, 2026, for all new and renewed Certificates of Deposit.
| Deposit | Interest rate |
|---|---|
| EC$10,000 – EC$500,000 | 1.25% |
| EC$500,001 and above | 1.5% |
| Statutory bodies | 1.5% |
How to invest
- Become a memberMembership requires twenty Permanent Shares at $5.00 each, which is your first investment in the credit union.
- Choose your investmentBuy more Permanent Shares on any business day during working hours, or invest EC$10,000 or more in a Certificate of Deposit for at least one year.
- Visit us in BradesOur team will confirm the current rate and complete the paperwork with you.
Saving regularly instead?
Seven savings accounts, from 0.5% to 2.25%
From everyday Primary Savings to plans for Christmas, education and retirement.
Investment questions
What are Permanent Shares?
Permanent shares increase the capital and strengthen your credit union, which allows it to undertake expansion and enhancement of services to members. To become or remain a member of the credit union you must have shares. Permanent shares cannot be withdrawn; they can only be transferred when the member gives up membership.
What is a share account at the credit union?
This is a required account at a credit union because it is what makes you a member of the credit union. Your savings account represents your share of the credit union, thus it is called a share account. Share accounts are liquid and meant for payments and everyday spending.