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 |
$500.00 and above |
4.889% |
5.00% |
*APY=Annual Percentage Yield effective September 8, 2023 and subject to change without notice. This Certificate will not automatically renew. Penalty for early withdrawal.
View Certificate Disclosure
| Term |
Balance |
Dividend Rate |
APY* |
| 6 months |
$1‚000.00 - $24‚999.99 |
1.49% |
1.50% |
| 6 months |
$25,000.00 and above |
1.54% |
1.55% |
| 12 months |
$1‚000.00 - $24‚999.99 |
1.98% |
2.00% |
| 12 months |
$25‚000.00 and above |
2.03% |
2.05% |
| 18 months |
$1‚000.00 - $24‚999.99 |
2.23% |
2.25% |
| 18 months |
$25‚000.00 and above |
2.28% |
2.30% |
| 24 months |
$1,000.00 - $24,999.99 |
2.47% |
2.50% |
| 24 months |
$25,000.00 and above |
2.52% |
2.55% |
| 36 months |
$1,000.00 - $24,999.99 |
2.96% |
3.00% |
| 36 months |
$25,000.00 and above |
3.01% |
3.05% |
| 48 months |
$1,000.00 - $24,999.99 |
3.05% |
3.10% |
| 48 months |
$25,000.00 and above |
3.10% |
3.15% |
| 60 months |
$1,000.00 - $24,999.99 |
3.05% |
3.10% |
| 60 months |
$25,000.00 and above |
3.10% |
3.15% |
Considering an IRA or Education Savings Account?
We also offer certificates for IRA and Educational Savings Accounts.
Open an Account Today!
There are two convenient ways to open a certificate account:
Open an Account
Please tell us about yourself:
Current Members: Sign in and select "Open Additional Accounts/Loans" from the left menu.
We are available to answer any questions you may have by calling 609-646-3339 or 1-888-322-2848 toll-free and select option 2. Check our Call Center Hours for availability.
†There is a penalty for early withdrawal.
