Savings Certificates

Enjoy a locked-in rate of return and maximum security.

There’s no one-size-fits-all approach to saving money, which is why we offer a variety of savings tools. Our regular, jumbo and IRA certificates offer a great combination of stability along with some of the best rates around. Plus, enjoy peace of mind knowing your money is federally insured. It’s an easy, no-stress way to watch your savings grow.

Features & Benefits

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Your Terms

Terms start at just 3 months, but you can choose 7+ years!

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Tiered Rates

With tiered earning rates, the more you save, the more you earn.

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Low Min. Deposit

Get started with as little as $1,000.

Also Included

  • Free 24/7 Digital Access
  • Federally insured deposits by NCUA
  • Access to e-Statements, e-Notices, and e-Alerts
  • Ability to earn dividends

Safely Grow Your Savings

Lock in your savings for a fixed rate for a set period of time. Enjoy steady, predictable growth. Your earnings are guaranteed and not affected by changes in the market.


Minimum opening deposit$1,000
Minimum daily balance$1,000A $1,000 minimum deposit is required to open a share certificate account.
Monthly low balance feeNone
Monthly service fee$0

Rates & Terms

TermAPYAPY is the annual percentage yield and assumes the dividends remain on deposit until maturity. Rates and terms are effective as of 08/04/2021 and are subject to change. Rates are based on the dividend rate in effect on the date of deposit. Dividend rates are fixed unless otherwise stated. Federally insured by NCUA. Penalties may apply to withdrawals made prior to maturity and/or IRA age requirements. Fees may reduce earnings. IRA transactions are subject to IRS rules and regulations. View these rules and regulations. A $1,000.00 minimum deposit to open a share certificate account.
3 – 5 months0.10%
6 – 11 months0.15%
12 – 23 months0.25%
24 – 35 months0.40%
36 – 47 months0.45%

Get Started Now. It's Easy!

Set up your certificate account online from the comfort of home.
Have questions? We’re here for you. Call us at 800.456.3000 or visit your local branch.