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In this tutorial, Chris Peach from Money Peach introduces credit union share certificates, explaining them as high-reward, low-risk savings options. A share certificate is a type of savings account that offers a fixed dividend or interest rate in exchange for a commitment to keep the funds deposited for a specified term, typically ranging from three months to five years. Because of this commitment, share certificates usually provide higher rates than traditional savings accounts. Peach highlights the similarity between share certificates and certificates of deposit (CDs), noting that the primary distinction lies in the institution offering them.