Certificate Accounts

Want the best rates around for your money—and don’t mind waiting awhile?

Open an account

Like friendships, fine wine and Sir Ian McKellen, money ages well. You can choose from a variety of options, terms and earning levels.

The Details

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Flexible terms

Terms range from six to 60 months (longer terms = better earnings).

Deposit class="wrapper">

Minimum $2,000 opening deposit

Open a Certificate with $2,000, or a Jumbo Certificate with $50,000.

No Fees class="wrapper">

No monthly fee

We’re here to help you save as much as possible.

Get a loan class="wrapper">

Can be used as collateral

You can use your Certificate Account as collateral to secure a loan.

Current Rates

Certificates (CDs)

Terms

Minimum Balance*

Dividend Rate

APY**

*Minimum average daily balance required to earn dividends. Membership Shares, IRA Savings, IRA Certificates and Special Savings dividends are based on the average daily balance and are posted quarterly. Checking, Money Market and non-IRA Certificate Accounts are based on the average daily balance and are posted monthly. Certificate Accounts are subject to penalties for early withdrawal. Please contact one of our Financial Services Representatives for further information about applicable fees. IRA Certificates may be subject to additional Internal Revenue Service penalties for early withdrawal. Certificate rates are fixed for the term purchased. All other rates and yields subject to change without notice.

Additional 0.10% for Jumbo Certificates $50,000 and more.

**APY is Annual Percentage Yield.

Terms

6 to 11 months

Minimum Balance*

$2,000

Dividend Rate

0.90% 

APY**

0.90% 

Terms

12 to 23 months

Minimum Balance*

$2,000

Dividend Rate

1.00% 

APY**

1.00% 

Terms

24 to 35 months

Minimum Balance*

$2,000

Dividend Rate

1.10% 

APY**

1.11% 

Terms

36 to 47 months

Minimum Balance*

$2,000

Dividend Rate

1.20%

APY**

1.21%

Terms

48 to 59 months

Minimum Balance*

$2,000

Dividend Rate

1.30%

APY**

1.31%

Terms

60 months

Minimum Balance*

$2,000

Dividend Rate

1.40%

APY**

1.41%

Your deposits are secure

You can sleep easy, knowing your deposits are insured by the National Credit Union Administration (NCUA).

Learn more about how your savings are protected

Open a Certificate Account

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