Certificates

Certificates take the risk out of reaching your savings goals! With a choice of flexible terms, Certificates are available for general savings as well as Individual Retirement Accounts (IRA) – Traditional and Roth.
*Annual Percentage Yield (APY) at 4.10% on 19 Month Certificate for the $10,000-$24,999 tier. Other rates and tiers are available with a minimum opening balance of $10,000. Rate effective 01/18/23 and is subject to change without notice. The APY assumes that all interest remains on deposit until maturity. Withdrawals and fees could reduce earnings. Substantial penalty for early withdrawal. At maturity the certificate will automatically renew for a term of 18 months at the prevailing rate. Not valid with any other offer. Must be a member. Other restrictions apply. INSURED BY NCUA.
*Annual Percentage Yield (APY) at 3.80% on 60 Month Certificate for the $10,000-$24,999 tier. Other rates and tiers are available with a minimum opening balance of $10,000. Rate effective 01/18/23 and is subject to change without notice. The APY assumes that all interest remains on deposit until maturity. Withdrawals and fees could reduce earnings. Substantial penalty for early withdrawal. At maturity the certificate will automatically renew for a term of 60 months at the prevailing rate. Not valid with any other offer. Must be a member. Other restrictions apply. INSURED BY NCUA.

Share Certificate

Share certificates provide higher earnings than a regular savings account. Since these accounts restrict access to funds, they’re a great incentive to keep building up savings.

  • Open with as little as $1,000
  • Available in terms of 3 months to 5 years
  • Rates are tiered based on the amount of deposit – the more you deposit, the higher the dividend rate will be
  • Monthly dividends
  • Low-risk investment- Insured up to $250,000 by NCUA
  • Fixed dividend rate
  • No monthly account fee

Continuous Saver Certificate

Continuous Saver Certificates are a great certificate option for children and those interested in opening a certificate who do not yet have a large balance to deposit.

    • Open with as little as $25
    • Additional deposits of $10 or more may be made as often as you like
    • Available in terms of 24 and 60 months
    • Rates are tiered based on the amount of deposit – the more you deposit, the higher the dividend rate will be
    • Low-risk investment – Insured up to $250,000 by NCUA
    • Fixed dividend rate
    • No monthly account fee

Open a Certificate-Existing Member

Open a Certificate-Non Member

Rates, terms and conditions subject to change without prior notice. Early withdrawal may lower earnings. Penalties may be imposed for early withdrawal. IRA products are subject to IRS regulations. Consult your tax advisor.

 

 

All Certificate Rates

 

*Annual Percentage Yield (APY) of 2.40% on 15-Month Certificate for the $10,000–$24,999 tier. Rates effective 09/30/22. At maturity the certificate will automatically renew for a term of 12 months at the prevailing rate. Annual Percentage Yield (APY) at 3.33% on 30-Month Certificate for the $10,000–$24,999 tier. Rates effective 09/09/22. At maturity the certificate will automatically renew for a term of 30 months at the prevailing rate. Annual Percentage Yield (APY) at 3.50% on 60-Month Certificate for the $10,000–$24,999 tier. Rates effective 09/29/22. At maturity the certificate will automatically renew for a term of 60 months at the prevailing rate. Annual Percentage Yield (APY) at 3.00% on 30-Month Certificate for the $10,000–$24,999 tier. Rates effective 09/29/22.  Other rates and tiers are available with a minimum opening balance of $1,000. The APY assumes that all dividends remains on deposit until maturity. Withdrawals and fees could reduce earnings. Substantial penalty for early withdrawal. Rates are subject to change without notice. Not valid with any other offer. Must be a member. Other restrictions apply. INSURED BY NCUA.