Earn a higher dividend rate with guaranteed earnings and zero risk.
Choose Your Term
You pledge the deposit for a certain term, from six months to 60 months, and we reward you with a higher yield. The longer the term, the more you earn. You can also open several certificates of varying terms to stagger (or ladder) your certificate maturity dates.†
Enjoy a Higher Fixed Rate
The rate is fixed for the entire certificate term, even if rates go down significantly. Dividends are compounded and credited monthly.
| Term |
Balance |
Dividend Rate |
APY* |
| 6 months |
$1‚000.00 - $24‚999.99 |
0.15% |
0.15% |
| 6 months |
$25,000.00 and above |
0.20% |
0.20% |
| 12 months |
$1‚000.00 - $24‚999.99 |
0.25% |
0.25% |
| 12 months |
$25‚000.00 and above |
0.30% |
0.30% |
| 18 months |
$1‚000.00 - $24‚999.99 |
0.30% |
0.30% |
| 18 months |
$25‚000.00 and above |
0.35% |
0.35% |
| 24 months |
$1,000.00 - $24,999.99 |
0.35% |
0.35% |
| 24 months |
$25,000.00 and above |
0.40% |
0.40% |
| 36 months |
$1,000.00 - $24,999.99 |
0.45% |
0.45% |
| 36 months |
$25,000.00 and above |
0.50% |
0.50% |
| 48 months |
$1,000.00 - $24,999.99 |
0.55% |
0.55% |
| 48 months |
$25,000.00 and above |
0.60% |
0.60% |
| 60 months |
$1,000.00 - $24,999.99 |
0.85% |
0.85% |
| 60 months |
$25,000.00 and above |
0.90% |
0.90% |
Considering an IRA or Education Savings Account?
We also offer certificates for IRA and Educational Savings Accounts.
Open an Account Today!
There are several convenient ways to open a certificate account:
Member Service Representatives are available to open your account by phone during business, evening and weekend hours. Check our Call Center Hours for availability.
†There is a penalty for early withdrawal.
††Signature by mail or in person will be required to complete the account opening process.
