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 4.10 % APY Attractive dividends up to 4.10% APY? $500 Get started with just $500 6-84 Choose how long to save with terms from 6 to 84 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 2.28% 2.30% Quarterly 6 month certificate $5000 $5000 2.28% 2.30% Monthly 6 month certificate $50000 $50000 2.47% 2.50% Monthly 6 month certificate $100000 $100000 2.67% 2.70% Monthly 12 month certificate*** $500 $500 3.65% 3.70% Quarterly 12 month certificate $5000 $5000 3.65% 3.71% Monthly 12 month certificate $50000 $50000 3.83% 3.90% Monthly 12 month certificate $100000 $100000 4.03% 4.10% Monthly 24 Month Certificate $500 $500 3.36% 3.40% Quarterly 24 Month Certificate $5000 $5000 3.36% 3.41% Monthly 24 Month Certificate $50000 $50000 3.54% 3.60% Monthly 24 Month Certificate $100000 $100000 3.74% 3.80% Monthly 36 month certificate $500 $500 3.41% 3.45% Quarterly 36 month certificate $5000 $5000 3.41% 3.46% Monthly 36 month certificate $50000 $50000 3.59% 3.65% Monthly 36 month certificate $100000 $100000 3.78% 3.85% Monthly 48 month certificate $500 $500 3.41% 3.45% Quarterly 48 month certificate $5000 $5000 3.41% 3.46% Monthly 48 month certificate $50000 $50000 3.59% 3.65% Monthly 48 month certificate $100000 $100000 3.78% 3.85% Monthly 60 month certificate $500 $500 3.50% 3.55% Quarterly 60 month certificate $5000 $5000 3.50% 3.56% Monthly 60 month certificate $50000 $50000 3.69% 3.75% Monthly 60 month certificate $100000 $100000 3.88% 3.95% Monthly 84 month certificate $500 $500 3.65% 3.70% Quarterly 84 month certificate $5000 $5000 3.65% 3.71% Monthly 84 month certificate $50000 $50000 3.83% 3.90% Monthly 84 month certificate $100000 $100000 4.03% 4.10% 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 7 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 Goal Calculator Find out how much you should deposit each month to reach your savings goals with our Savings Goal Calculator.
Savings Certificate Rates Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency 6 month certificate** $500 $500 2.28% 2.30% Quarterly 6 month certificate $5000 $5000 2.28% 2.30% Monthly 6 month certificate $50000 $50000 2.47% 2.50% Monthly 6 month certificate $100000 $100000 2.67% 2.70% Monthly 12 month certificate*** $500 $500 3.65% 3.70% Quarterly 12 month certificate $5000 $5000 3.65% 3.71% Monthly 12 month certificate $50000 $50000 3.83% 3.90% Monthly 12 month certificate $100000 $100000 4.03% 4.10% Monthly 24 Month Certificate $500 $500 3.36% 3.40% Quarterly 24 Month Certificate $5000 $5000 3.36% 3.41% Monthly 24 Month Certificate $50000 $50000 3.54% 3.60% Monthly 24 Month Certificate $100000 $100000 3.74% 3.80% Monthly 36 month certificate $500 $500 3.41% 3.45% Quarterly 36 month certificate $5000 $5000 3.41% 3.46% Monthly 36 month certificate $50000 $50000 3.59% 3.65% Monthly 36 month certificate $100000 $100000 3.78% 3.85% Monthly 48 month certificate $500 $500 3.41% 3.45% Quarterly 48 month certificate $5000 $5000 3.41% 3.46% Monthly 48 month certificate $50000 $50000 3.59% 3.65% Monthly 48 month certificate $100000 $100000 3.78% 3.85% Monthly 60 month certificate $500 $500 3.50% 3.55% Quarterly 60 month certificate $5000 $5000 3.50% 3.56% Monthly 60 month certificate $50000 $50000 3.69% 3.75% Monthly 60 month certificate $100000 $100000 3.88% 3.95% Monthly 84 month certificate $500 $500 3.65% 3.70% Quarterly 84 month certificate $5000 $5000 3.65% 3.71% Monthly 84 month certificate $50000 $50000 3.83% 3.90% Monthly 84 month certificate $100000 $100000 4.03% 4.10% 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.
Savings Goal Calculator Find out how much you should deposit each month to reach your savings goals with our Savings Goal Calculator.