A Share Certificate or (CD) is a savings investment with a fixed maturity date and specified fixed interest rate that can be issued in any denomination above the minimum deposit requirements. A CD restricts access to the funds until the maturity date of the investment. Prospectors Share Certificates are added to all other share savings products, Checking accounts, Regular Savings accounts and Money Market accounts are added together and insured by the National Credit Union Administration (NCUA) up to $250,000 per individual account holder. In addition Prospectors offers an additional $250,000 worth of insurance per individual through American Share Insurance (ASI). The following table illustrates how much an individual could have insured at Prospectors.