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Certificate Accounts

Good things come to those who wait.

Set aside higher balances to earn higher dividends. Only $1,000 minimum to invest. Start saving with a Share Certificate today.

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Share/IRA Certificate Specials

Take advantage of these great share certificate specials. $1,000 minimum.

Term Dividend Rate APY
7-month 5.10% 5.22%
14-month 4.95% 5.06%

Share/IRA Certificates

Share Certificates let you set aside higher balances for a specified time period to earn higher dividends. With a $1,000 minimum and terms available from 3 months to 5 years, this is a savings investment you can count on.

  • $1,000 minimum to invest.
  • Fixed investment terms available from 6 months to 5 years.
  • Automatic renewal when certificate matures/term expires.
Term Dividend Rate APY
3-month 1.20% 1.21%
6-month 1.50% 1.51%
12-month 2.75% 2.78%
18-month 3.00% 3.04%
24-month 3.25% 3.30%
36-month 2.35% 2.38%
48-month 2.40% 2.43%
60-month 2.45% 2.48%

Additional Share/IRA Certificates

Name Term Dividend Rate APY
Add-On Certificate 12-month 0.20% 0.20%

All share certificate rates are stated as Annual Percentage Yield (APY). The dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the share certificate. Dividends compound monthly.

Share/IRA Certificates are available for 3 months – 60 months and require a $1,000 minimum.

Share/IRA Certificate Specials are available for 7 and 14 months, and require a $1,000 minimum.

Add-On Certificate is available for 12 months and requires a $25 minimum. Additional deposits are allowed.

Fees or other conditions could reduce the earnings on the account. Credit Union penalty for early withdrawals.

Rates current as of January 31, 2024.