Share Certificates

If you want a safe, short-term saving solution, a share certificate will allow you to save your money with a fixed rate over a specific term. 

With as little as $500, you can open a share certificate right now.  

Introducing the Choose Your Term Certificates!

Looking for a certificate option suited for your unique financial goals? Our Choose Your Term Certificate may be the perfect choice. It offers a guaranteed rate for the duration of the term that you select – ranging from 37 to 60 months. Avaialbie for both consumers and businesses, and is available as an IRA option for retirement savings. SRestrictions apply. See below for current rates and details. 

Rates & Terms

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  • Certificates / IRA Certificates
  • 7-01-2018

Term

Minimum Balance to Open

Dividend Rate1

APY2

3 Month

$500

0.30%

0.30%

6 Month

$500

0.65%

0.65%

12 Month

$1,000

0.90%

0.90%

18 Month

$1,000

1.09%

1.10%

24 Month

$1,000

1.29%

1.30%

30 Month

$1,000

1.39%

1.40%

36 Month

$1,000

1.49%

1.50%

48 Month

$1,000

1.59%

1.60%

59 Month3

$1,000

1.64%

1.65%

60 Month

$1,000

1.73%

1.75%

1 Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. 

2 APY=Annual Percentage Yield. There may be a penalty for early withdrawal. Dividends compounded daily and paid the last day of each month. Certificates are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

Term and rate only applies to the Bump Rate Certificate. Please see our Bump Rate Certificate for further information. 

IRA options available only on consumer certificates.

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  • Choose Your Term Certificate
  • 7-01-2018

Term

Minimum Balance to Open

Dividend Rate1

APY2

37 to 60 Months3

$5,000

2.52%

2.55%

1 Variable rate account, rate is subject to change anytime after account opening. Fees could reduce earnings. Please see our Fee Disclosure Statement for further information about fees potentially related to these accounts. 

2 APY=Annual Percentage Yield. There may be a penalty for early withdrawal. Dividends compounded daily and paid the last day of each month. Certificates are insured up to $250,000 by the NATIONAL CREDIT UNION ADMINISTRATION. Additional insurance coverage of $250,000 is provided by EXCESS SHARE INSURANCE for total protection up to $500,000.

3 Choose Your Term Certificate is a limited time offer allowing the accountholder to select a term ranging from 37 to 60 months. Product renews at a term of 48 months. There may be a penalty for early withdrawal.

IRA options available only on consumer certificates.