What is the difference between a Certificate of Deposit and a Share Certificate?

Certificates of Deposit are mainly offered by banks, whereas Share Certificates (or Certificate Accounts) are offered by federal credit unions. Another difference is that while Certificates of Deposits earn interest, Share Certificates earn dividends. Lastly is the insurance tied to each of these types of savings; a Certificate of Deposit from a bank is insured by the Federal Deposit Insurance Company (FDIC), while a Share Certificate from a federal credit union is insured by the National Credit Union Administration (NCUA).