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Certificates

Watch your money grow

A certificate is one of the safest, most foolproof ways to invest. Deposit your money and earn a guaranteed rate of return.

Open Account

An easy way to start saving

A certificate allows you to earn a higher interest rate than a regular savings account. We have two certificate options so you can pick the one that’s right for you. Our traditional certificates earn the highest rate. Our Smart Growth certificates are a little more flexible, letting you add funds here and there and build your savings over time, while still getting a good return on your dollars.

  • No maintenance fees
  • Multiple terms and rates available
  • Free online banking and eStatements
  • Insured by the NCUA up to $250,000

Open your account in just 10 minutes

Ready to open your certificate? All you need to do is fill out a short online application.

  • Online Application
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  • Account Opening
Open Account

Rates as high as

2.45 % APY*

All Rates

*Disclosures

All rates are subject to change. Early withdrawal penalties may apply. For all other terms and fees for each account, contact your branch for the applicable disclosure statement(s). Any fees assessed could reduce earnings on this account. Other terms and conditions may apply, see Credit Union for full details.

All certificates may be opened as an IRA investment and almost all can be opened as an HSA. For more information on which IRA option is right for you please consult with your tax adviser.

The minimum balance to open and maintain a share certificate account is $500, except Smart Growth which has a minimum of $100.

The share certificate Dividend Rates and Annual Percentage Yields shown were accurate as of the Effective Date of this Rate Sheet. Contact the Credit Union for most current rates

Variable Rate CD with a guaranteed minimum floor rate; contact the credit union for details. Additional deposits will not extend the term or advance the Maturity Date. One (1) annual withdrawal of 10% of the principal balance is allowed without penalty, unless opened as an IRA, in which case IRA rules apply.