Certificates
Much like a Certificate of Deposit, this account can help you earn a higher rate of return on your money. Stop by a branch to open yours today.
Share Certificate
- $1500 minimum balance required.
- Terms of 3, 6, 9, 12, 18, 24, 30, 36, 48, or 60 months.
- Automatic renewal at current rates.
- Fixed rate for the term of the certificate.
Early withdrawals are subject to penalty
IRA Certificate
Combine the steady interest of a Share certificate with the tax advantages of an Individual Retirement Account (IRA).
- $1500 minimum balance.
- Terms of 3, 6, 9, 12, 18, 24, 30, 36, 48, or 60 months.
Certificate Rates
Share Certificates
| # Months / Years | # of Days | Div Rate | APY |
|---|---|---|---|
| 3 Months | 91-181 | 0.45% | 0.45% |
| 6 Months | 182-272 | 1.28% | 1.29% |
| 9 Months | 273-364 | 1.49% | 1.50% |
| 12 Months or 1 Year | 365-546 | 1.63% | 1.64% |
| 18 Months | 547-729 | 1.85% | 1.87% |
| 20 Months | 597-627 | 3.20% | 3.25% |
| 24 Months or 2 Years | 730-911 | 2.07% | 2.09% |
| 30 Months | 912-1094 | 2.31% | 2.33% |
| 36 Months or 3 Years | 1095-1459 | 2.53% | 2.56% |
| 48 Months or 4 Years | 1460-1824 | 2.58% | 2.61% |
| 60 Months or 5 Years | 1825 | 2.82% | 2.86% |
Term share account with a minimum balance based on the tier to earn the quoted APY until maturity. Minimum balance $1500.00. Early withdrawals are subject to penalty. Dividends may be compounded or transferred to your share, extra savers, or checking account. Fees could reduce earnings on all accounts. |
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IRA Certificates
| # Months / Years | # of Days | Div Rate | APY |
|---|---|---|---|
| 3 Months | 91-181 | 0.45% | 0.45% |
| 6 Months | 182-272 | 1.28% | 1.29% |
| 9 Months | 273-364 | 1.49% | 1.50% |
| 12 Months or 1 Year | 365-546 | 1.63% | 1.64% |
| 18 Months | 547-729 | 1.85% | 1.87% |
| 20 Months | 597 | 3.20% | 3.25% |
| 24 Months or 2 Years | 730-911 | 2.07% | 2.09% |
| 30 Months | 912-1094 | 2.31% | 2.33% |
| 36 Months or 3 Years | 1095-1459 | 2.53% | 2.56% |
| 48 Months or 4 Years | 1460-1824 | 2.58% | 2.61% |
| 60 Months or 5 Years | 1825 | 2.82% | 2.86% |
Term share individual retirement account minimum balance based on tier required to earn the disclosed annual percentage yield until maturity. $1500.00 minimum balance. Dividends are compounded and posted monthly. Early withdrawals are subject to penalty. Fees could reduce earnings on all accounts. |
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