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In this video, Chris Peach from One Easy Credit Union discusses credit union share certificates, which are high-reward savings accounts that offer fixed interest rates in exchange for a commitment to keep your money deposited for a set period, typically from three months to five years. The attraction of share certificates lies in their higher dividend rates compared to traditional savings accounts. Although they may resemble certificates of deposit (CDs), the key distinction is the source of the accounts, as share certificates are offered through credit unions. The presentation emphasizes their low-risk nature and potential for greater returns.