Savings Certificates Longer-term savings options can help you plan for the steady growth of your money. You decide how long you want to put that money away. New Members: Open an account Members: Add an account New Members: Open an account Members: Add an account 4.18 % APY Attractive dividends up to 4.18% APY? $500 Get started with just $500 6-60 Choose how long to save with terms from 6 to 60 months? Similar to CDs (certificates of deposit) at other financial institutions, savings certificates allow you to save a set amount of money for a specified term. Our Savings Certificates are limited to a single, one-time deposit with a term limit of 5 years, while our Saving Certificate Deposits allow ongoing contributions limited to either 6 or 12 months. Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 6 month certificate** $500 $500 2.38% 2.40% Quarterly 6 month certificate $5000 $5000 2.38% 2.41% Monthly 6 month certificate $50000 $50000 2.58% 2.61% Monthly 6 month certificate $100000 $100000 2.78% 2.81% Monthly 12 month certificate*** $500 $500 3.80% 3.85% Quarterly 12 month certificate $5000 $5000 3.80% 3.86% Monthly 12 month certificate $50000 $50000 4.00% 4.07% Monthly 12 month certificate $100000 $100000 4.20% 4.28% Monthly 24 Month Certificate $500 $500 3.50% 3.55% Quarterly 24 Month Certificate $5000 $5000 3.50% 3.56% Monthly 24 Month Certificate $50000 $50000 3.70% 3.77% Monthly 24 Month Certificate $100000 $100000 3.90% 3.97% Monthly 36 month certificate $500 $500 3.60% 3.65% Quarterly 36 month certificate $5000 $5000 3.60% 3.66% Monthly 36 month certificate $50000 $50000 3.80% 3.87% Monthly 36 month certificate $100000 $100000 4.00% 4.08% Monthly 48 month certificate $500 $500 3.60% 3.65% Quarterly 48 month certificate $5000 $5000 3.60% 3.66% Monthly 48 month certificate $50000 $50000 3.80% 3.87% Monthly 48 month certificate $100000 $100000 4.00% 4.08% Monthly 60 month certificate $500 $500 3.70% 3.75% Quarterly 60 month certificate $5000 $5000 3.70% 3.76% Monthly 60 month certificate $50000 $50000 3.90% 3.97% Monthly 60 month certificate $100000 $100000 4.10% 4.18% Monthly Savings Certificate Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us. ** If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates. *** If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates. Read More Save for a designated time or event. Open a Savings Certificate to earn returns on your savings for up to 5 years. Become a credit union member today to get started or log in to online banking to open an account. New Members: Open an account Members: Add an account Savings Resources See More Resources Savings FAQs Frequently asked questions about savings. Long-Term Savings Calculator Calculate the potential value of a balance over time with regular deposits and various return rates with our Long-Term Savings Calculator.
Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 6 month certificate** $500 $500 2.38% 2.40% Quarterly 6 month certificate $5000 $5000 2.38% 2.41% Monthly 6 month certificate $50000 $50000 2.58% 2.61% Monthly 6 month certificate $100000 $100000 2.78% 2.81% Monthly 12 month certificate*** $500 $500 3.80% 3.85% Quarterly 12 month certificate $5000 $5000 3.80% 3.86% Monthly 12 month certificate $50000 $50000 4.00% 4.07% Monthly 12 month certificate $100000 $100000 4.20% 4.28% Monthly 24 Month Certificate $500 $500 3.50% 3.55% Quarterly 24 Month Certificate $5000 $5000 3.50% 3.56% Monthly 24 Month Certificate $50000 $50000 3.70% 3.77% Monthly 24 Month Certificate $100000 $100000 3.90% 3.97% Monthly 36 month certificate $500 $500 3.60% 3.65% Quarterly 36 month certificate $5000 $5000 3.60% 3.66% Monthly 36 month certificate $50000 $50000 3.80% 3.87% Monthly 36 month certificate $100000 $100000 4.00% 4.08% Monthly 48 month certificate $500 $500 3.60% 3.65% Quarterly 48 month certificate $5000 $5000 3.60% 3.66% Monthly 48 month certificate $50000 $50000 3.80% 3.87% Monthly 48 month certificate $100000 $100000 4.00% 4.08% Monthly 60 month certificate $500 $500 3.70% 3.75% Quarterly 60 month certificate $5000 $5000 3.70% 3.76% Monthly 60 month certificate $50000 $50000 3.90% 3.97% Monthly 60 month certificate $100000 $100000 4.10% 4.18% Monthly Savings Certificate Rates Footnotes * A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us. ** If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates. *** If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates. Read More
Long-Term Savings Calculator Calculate the potential value of a balance over time with regular deposits and various return rates with our Long-Term Savings Calculator.