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.

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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 DaysDiv RateAPY
3 Months91-1810.45%0.45%
6 Months182-2721.28%1.29%
9 Months273-3641.49%1.50%
12 Months or 1 Year365-5461.63%1.64%
18 Months547-7291.85%1.87%
20 Months597-6273.20%3.25%
24 Months or 2 Years730-9112.07%2.09%
30 Months912-10942.31%2.33%
36 Months or 3 Years1095-14592.53%2.56%
48 Months or 4 Years1460-18242.58%2.61%
60 Months or 5 Years18252.82%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.
APY = Annual Percentage Yield.
Federally insured by NCUA.

IRA Certificates

# Months / Years# of DaysDiv RateAPY
3 Months91-1810.45%0.45%
6 Months182-2721.28%1.29%
9 Months273-3641.49%1.50%
12 Months or 1 Year365-5461.63%1.64%
18 Months547-7291.85%1.87%
20 Months5973.20%3.25%
24 Months or 2 Years730-9112.07%2.09%
30 Months912-10942.31%2.33%
36 Months or 3 Years1095-14592.53%2.56%
48 Months or 4 Years1460-18242.58%2.61%
60 Months or 5 Years18252.82%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.
APY = Annual Percentage Yield.
Federally insured by NCUA.