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.
  • Choose 6,12, 24, 36, 48, or 60 month terms.
  • Automatic renewal at current rates.
  • Fixed rate for the term of the certificate.

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Early withdrawals are subject to penalty

 

Jumbo Share Certificate

  • $100,000 minimum balance required.
  • Available at .10% above the rate of a Share certificate.
  • Choose 6,12, 24, 36, 48, or 60 month terms.
  • 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.
  • Choose 6, 12, 24, 36, 48, or 60 month terms.

 

Jumbo IRA Certificate

Enjoy the same benefits as an IRA certificate with a rate .25% higher.

  • $100,000 minimum balance.
  • Choose 6,12, 24, 36, 48, or 60 month terms.

Certificate Rates

Share Certificates – Tier 1 (< $100,000.00)

# Months / Years# of DaysDiv RateAPY
3 Months91-1810.20%0.20%
6 Months182-2721.19%1.20%
9 Months273-3641.19%1.20%
12 Months or 1 Year365-5461.39%1.40%
18 Months547-7291.59%1.60%
24 Months or 2 Years730-9111.74%1.75%
30 Months912-10941.74%1.75%
36 Months or 3 Years1095-14591.93%1.95%
48 Months or 4 Years1460-18242.52%2.55%
60 Months or 5 Years18252.72%2.75%

Share Certificates – Tier 2 ($100,000.00 – $249,000.00)

# Months / Years# of DaysDiv RateAPY
3 Months91-1810.25%0.25%
6 Months182-2721.19%1.20%
9 Months273-3641.19%1.20%
12 Months or 1 Year365-5461.39%1.40%
18 Months547-7291.59%1.60%
24 Months or 2 Years730-9111.74%1.75%
30 Months912-10941.74%1.75%
36 Months or 3 Years1095-14591.93%1.95%
48 Months or 4 Years1460-18242.52%2.55%
60 Months or 5 Years18252.72%2.75%

Share Certificates – Tier 3 (>$250,000.00)

# Months / Years# of DaysDiv RateAPY
3 Months91-1810.25%0.25%
6 Months182-2721.29%1.30%
9 Months273-3641.29%1.30%
12 Months or 1 Year365-5461.49%1.50%
18 Months547-7291.69%1.70%
24 Months or 2 Years730-9111.83%1.85%
30 Months912-10941.83%1.85%
36 Months or 3 Years1095-14592.03%2.05%
48 Months or 4 Years1460-18242.62%2.65%
60 Months or 5 Years18252.81%2.85%
Term share account with a minimum balance based on tier to earn the quoted APY until maturity. Minimum opening deposit $1500.00. Early withdrawals subject to penalty. Dividends may be compounded or transferred to your share, extra savers or checking account. Fees could reduce earnings on all accounts.

IRA Certificates – Tier 1 (< $100,000.00)

# Months / Years# of DaysDiv RateAPY
3 Months91-1810.20%0.20%
6 Months182-2721.19%1.20%
9 Months273-3642.00%2.02%
12 Months or 1 Year365-5461.39%1.40%
18 Months547-7291.59%1.60%
24 Months or 2 Years730-9111.74%1.75%
30 Months912-10941.74%1.75%
36 Months or 3 Years1095-14591.93%1.95%
48 Months or 4 Years1460-18242.52%2.55%
60 Months or 5 Years18252.72%2.75%

IRA Certificates – Tier 2 ($100,000.00 – $249,000.00)

# Months / Years# of DaysDiv RateAPY
3 Months91-1810.25%0.25%
6 Months182-2721.19%1.20%
9 Months273-3642.00%2.02%
12 Months or 1 Year365-5461.39%1.40%
18 Months547-7291.59%1.60%
24 Months or 2 Years730-9111.74%1.75%
30 Months912-10941.74%1.75%
36 Months or 3 Years1095-14591.93%1.95%
48 Months or 4 Years1460-18242.52%2.55%
60 Months or 5 Years18252.72%2.75%

IRA Certificates – Tier 3 (>$250,000.00)

# Months / Years# of DaysDiv RateAPY
3 Months91-1810.25%0.25%
6 Months182-2721.29%1.30%
9 Months273-3642.00%2.02%
12 Months or 1 Year365-5461.49%1.50%
18 Months547-7291.69%1.70%
24 Months or 2 Years730-9111.83%1.85%
30 Months912-10941.83%1.85%
36 Months or 3 Years1095-14592.03%2.05%
48 Months or 4 Years1460-18242.62%2.65%
60 Months or 5 Years18252.81%2.85%
Term share individual retirement account minimum balance based on tier required to earn the disclosed annual percentage yield until maturity. $1500.00 minimum opening deposit. Dividends are compounded and posted monthly. Early withdrawals are subject to penalty. Fees could reduce earnings on all accounts.
APY = Annual Percentage Yield