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In this video, Chris Peach from Money Peach discusses credit union share certificates, a low-risk savings option that offers higher dividends. A share certificate is essentially a fixed-rate savings account where you commit to keeping your money deposited for a specific term, typically ranging from three months to five years. This commitment allows you to earn a higher dividend rate compared to traditional savings accounts. Peach explains that share certificates are very similar to certificates of deposit (CDs), with the main distinction being the institution from which you obtain them.