Certificates A Share Certificate is a great way to earn more in dividends while keeping your money safe.Minimum deposit of $500Terms range from 1 through 5 yearsDividends compound daily and are credited monthlyGuaranteed rate of return for the entire term Current Rates Contact a Member Services Representative today at 410-828-4730, MemberServices@bcefcu.com, or at one of our branches to discuss the Share Certificate option that is right for you.