Certificate Accounts
Want the best rates around for your money—and don’t mind waiting awhile?
Like friendships, fine wine and Keanu Reeves, money ages well. You can choose from a variety of options, terms and earning levels.
The Details
Flexible terms
Terms range from six to 60 months (longer terms = better earnings).
Minimum $2,000 opening deposit
Open a Certificate with $2,000, or a Jumbo Certificate with $50,000.
No monthly fee
We’re here to help you save as much as possible.
Can be used as collateral
You can use your Certificate Account as collateral to secure a loan.
Current Rates
|
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 Personal Bankers 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. |
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|
TERMS 6 to 11 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.00% |
APY** 3.04% |
|
TERMS 12 month Special Certificate |
MINIMUM BALANCE* $50,000 |
DIVIDEND RATE 4.60% |
APY** 4.70% |
|
TERMS 12 to 23 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.60% |
APY** 3.56% |
|
TERMS 24 to 35 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.40% |
APY** 3.45% |
|
TERMS 36 to 47 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.35% |
APY** 3.40% |
|
TERMS 48 to 59 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.40% |
APY** 3.45% |
|
TERMS 60 months |
MINIMUM BALANCE* $2,000 |
DIVIDEND RATE 3.45% |
APY** 3.51% |
Your deposits are secure
You can sleep easy, knowing your deposits are insured by the National Credit Union Administration (NCUA).