certificate accounts

So you say you want our best rates available for your money, and don’t mind locking your cash up for awhile to do it? Great, a Certificate Account is the perfect choice! With a variety of options, terms and earning levels, you can build the perfect savings vehicle for your money. Here’s a closer look:

• Terms from six to 60 months. You decide how long to keep your money locked and earning interest. Hint: the longer the term, the better the earnings.
• Minimum $2,000 opening deposit. Start using your money to make money.
• No monthly fee. We make it easy for your money to grow.
• Can be used to secure a loan. It’s a smart way to borrow money at a loan rate just 2.5% above the locked-in certificate rate.
• Federally-insured up to $250,000. You can sleep easy, knowing your deposits are insured by the National Credit Union Administration (NCUA).

Where do you go from here? Check out our current rates by clicking the tab above, see how long it will take to save for your goals by clicking the “Calculator” banner below, or click the “Open an Account” button below.

Share Certificate Account Rates
Effective April 1, 2012

Jumbo Certificate Account Rates
Effective April 1, 2012

Download current Truth-in-Savings disclosure (PDF).

*APY is Annual Percentage Yield.

Upon opening your Certificate, your funds will be locked-in for a specified term. You have the option to determine what will happen to your funds upon maturity. When opening your Certificate Account, you can choose:

Automatic Renewal — When your certificate matures, funds will automatically transfer into the same term at the current rate at that time.

Automatic Transfer — When your certificate matures, funds will automatically transfer into any UMe account, which you can specify at the time of opening the account.

One month prior to maturity date, you will receive a “maturity notice” outlining your maturity date, balance and whether your certificate will renew or transfer. Both options provide a seven (7) day grace period (from maturity date) to either withdraw the funds, change certificate terms or request a check.

Changes can be made by phone, email, fax, or using online banking. Maturity options can be changed at any time through online banking. Simply choose “Change Certificate Maturity Options” from the Option drop down menu.