Certificates
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.

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Certificate Dividend Rates

Effective Sep 1, 2018
Term Balance Dividend Rate APY*
6 months $1‚000.00 - $24‚999.99 0.45% 0.45%
6 months $25,000.00 and above 0.60% 0.60%
12 months $1‚000.00 - $24‚999.99 0.85% 0.85%
12 months $25‚000.00 and above 1.00% 1.00%
24 months $1,000.00 - $24,999.99 1.49% 1.50%
24 months $25,000.00 and above 1.64% 1.65%
36 months $1,000.00 - $24,999.99 1.74% 1.75%
36 months $25,000.00 and above 1.88% 1.90%
48 months $1,000.00 - $24,999.99 2.08% 2.10%
48 months $25,000.00 and above 2.23% 2.25%
60 months $1,000.00 - $24,999.99 2.32% 2.35%
60 months $25,000.00 and above 2.47% 2.50%

*APY= Annual Percentage Yield.
View Certificate Disclosure

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.