Share Certificate Products
Share Certificates provide risk-free savings options that offer higher returns.
With Share Certificates, your dividend rate is based on the amount of your investment and the length time of you decide to keep it on deposit. Your dividend rate is locked in. If rates fall, you continue to earn the higher rate. There is a penalty for early withdrawal.
Current Rates
Share, IRA & Roth Certificate 3 Months
| Minimum Balance | Balance | Rate | Annual Yield |
|---|---|---|---|
| $1000.00 | $1000.00 - 9,999.00 | 2.324% | 2.350% |
| $10,000.00 | $10,000.00 - 24,999.00 | 2.474% | 2.500% |
| $25,000.00 | $25,000.00 - 99,999.00 | 2.624% | 2.650% |
| $100,000.00 | $100,000.00 - 249,999.00 | 2.774% | 2.800% |
| $250,000.00 | $250,000.00 + | 2.924% | 2.950% |
Share, IRA & Roth Certificate 6 Months
| Minimum Balance | Balance | Rate | Annual Yield |
|---|---|---|---|
| $1,000.00 | $1,000.00 - 9,999.00 | 2.569% | 2.600% |
| $10,000.00 | $10,000.00 - 24,999.00 | 2.719% | 2.750% |
| $25,000.00 | $25,000.00 - 99,999.00 | 2.869% | 2.900% |
| $100,000.00 | $100,000.00 - $249,999.00 | 3.019% | 3.050% |
| $250,000.00 | $250,000.00 + | 3.169% | 3.200% |
Share, IRA & Roth Certificate 9 Months
| Minimum Balance | Balance | Rate | Annual Yield |
|---|---|---|---|
| $1,000.00 | $1,000.00 - 9,999.00 | 2.618% | 2.650% |
| $10,000.00 | $10,000.00 - 24,999.00 | 2.768% | 2.800% |
| $25,000.00 | $25,000.00 - 99,999.00 | 2.918% | 2.950% |
| $100,000.00 | $100,000.00 - 249,999.00 | 3.068% | 3.100% |
| $250,000.00 | $250,000.00 + | 3.218% | 3.250% |
Share, IRA & Roth Certificate 12 Months
| Minimum Balance | Balance | Rate | Annual Yield |
|---|---|---|---|
| $1,000.00 | $1,000.00 - 9,999.00 | 2.667% | 2.700% |
| $10,000.00 | $10,000.00 - 24,999.00 | 2.817% | 2.850% |
| $25,000.00 | $25,000.00 - 99,999.00 | 2.967% | 3.000% |
| $100,000.00 | $100,000.00 - 249,999.00 | 3.117% | 3.150% |
| $250,000.00 | $250,000.00 + | 3.267% | 3.300% |
Share, IRA & Roth Certificate 15 Months
| Minimum Balance | Balance | Rate | Annual Yield |
|---|---|---|---|
| $1,000.00 | $1,000.00 - 9,999.00 | 2.716% | 2.750% |
| $10,000.00 | $10,000.00 - 24,999.00 | 2.866% | 2.900% |
| $25,000.00 | $25,000.00 - 99,999.00 | 3.016% | 3.050% |
| $100,000.00 | $100,000.00 - 249,999.00 | 3.166% | 3.200% |
| $250,000.00 | $250,000.00 + | 3.316% | 3.350% |
Share, IRA & Roth Certificate 24 Months
| Minimum Balance | Balance | Rate | Annual Yield |
|---|---|---|---|
| $1,000.00 | $1,000.00 - 9,999.00 | 2.765% | 2.800% |
| $10,000.00 | $10,000.00 - 24,999.00 | 2.915% | 2.950% |
| $25,000.00 | $25,000.00 - 99,999.00 | 3.065% | 3.100% |
| $100,000.00 | $100,000.00 -249,999.00 | 3.215% | 3.250% |
| $250,000.00 | $250,000.00 + | 3.365% | 3.400% |
Share, IRA & Roth Certificate 36 Months
| Minimum Balance | Balance | Rate | Annual Yield |
|---|---|---|---|
| $1,000.00 | $1,000.00 - 9,999.00 | 3.301% | 3.350% |
| $10,000.00 | $10,000.00 - 24,999.00 | 3.451% | 3.500% |
| $25,000.00 | $25,000.00 - 99,999.00 | 3.601% | 3.650% |
| $100,000.00 | $100,000.00 - 249,999.00 | 3.751% | 3.800% |
| $250,000.00 | $250,000.00 + | 3.901% | 3.950% |
Share, IRA & Roth Certificate 60 Months
| Minimum Balance | Balance | Rate | Annual Yield |
|---|---|---|---|
| $1000.00 | $1000.00 - 9,999.00 | 3.496% | 3.550% |
| $10,000.00 | $10,000.00 - 24,999.00 | 3.646% | 3.700% |
| $25,000.00 | $25,000.00 - 99,999.00 | 4.426% | 4.500% |
| $100,000.00 | $100,000.00 - 249,999.00 | 4.426% | 4.500% |
| $250,000.00 | $250,000.00 + | 4.426% | 4.500% |
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