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.†
The rate is fixed for the entire certificate term, even if rates go down significantly. Dividends are compounded and credited monthly.
*APY= Annual Percentage Yield.View Certificate Disclosure
We also offer certificates for IRA and Educational Savings Accounts.
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.