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 | 0.65% | 0.65% |
| 6 Months | 182-272 | 1.64% | 1.65% |
| 9 Months | 273-364 | 1.88% | 1.90% |
| 12 Months or 1 Year | 365-546 | 1.98% | 2.00% |
| 18 Months | 547-729 | 2.08% | 2.10% |
| 24 Months or 2 Years | 730-911 | 2.08% | 2.10% |
| 30 Months | 912-1094 | 2.08% | 2.10% |
| 36 Months or 3 Years | 1095-1459 | 2.18% | 2.20% |
| 48 Months or 4 Years | 1460-1824 | 2.23% | 2.25% |
| 60 Months or 5 Years | 1825 | 2.28% | 2.30% |
Term share account with a minimum balance based on the tier to earn the quoted APY until maturity. Minimum balance $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.
APY = Annual Percentage Yield
IRA Certificates
| # Months / Years | # of Days | Div Rate | APY |
|---|---|---|---|
| 3 Months | 91-181 | 0.65% | 0.65% |
| 6 Months | 182-272 | 1.64% | 1.65% |
| 9 Months | 273-364 | 1.88% | 1.90% |
| 12 Months or 1 Year | 365-546 | 1.98% | 2.00% |
| 18 Months | 547-729 | 2.08% | 2.10% |
| 24 Months or 2 Years | 730-911 | 2.08% | 2.10% |
| 30 Months | 912-1094 | 2.08% | 2.10% |
| 36 Months or 3 Years | 1095-1459 | 2.18% | 2.20% |
| 48 Months or 4 Years | 1460-1824 | 2.23% | 2.25% |
| 60 Months or 5 Years | 1825 | 2.28% | 2.30% |