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Chris Peach from Money Peach discusses credit union share certificates as a low-risk savings option with high rewards. A share certificate is basically a savings account that offers a fixed interest rate in exchange for committing to keep your money deposited for a specific term, typically ranging from three months to five years. This commitment allows savers to earn a higher dividend rate compared to traditional savings accounts. Although similar to certificates of deposit (CDs), the main difference lies in the institutions offering them. Share certificates can be an attractive choice for savers looking for better returns without significant risk.