Share Certificates
By committing your funds to savings for a given length of time with a share certificate, you earn greater dividends.
With a minimum deposit of just $500, you can get a certificate for a term of six months to 36 months. The longer the term, the more dividends you earn. If you deposit at least $100,000 to a single certificate, you'll earn at an even higher rate. Just make sure you don’t invest money you need right away. Penalties apply for early withdrawal.
Now, you'll receive an additional 25 basis points when you deposit new money in excess of $50,000.*
*Does not apply to "Limited Time Special Offers".
Even a high certificate balance is a safe investment. Your funds are insured up to $250,000 through the National Credit Union Administration, an agency of the U.S. government.
Share Certificate Rates
Effective May 27, 2023
| Term | Min to Open | Dividend Rate | APY* |
|---|---|---|---|
| 6 Months | $500 | 3.45% | 3.50% |
| 12 Months | $500 | 3.68% | 3.75% |
| 24 Months | $500 | 3.68% | 3.75% |
| 36 Months | $500 | 3.20% | 3.25% |
| JUMBO 6 Months | $100,000 | 3.68% | 3.75% |
| JUMBO 12 Months | $100,000 | 3.93% | 4.00% |
| JUMBO 24 Months | $100,000 | 3.93% | 4.00% |
| JUMBO 36 Months | $100,000 | 3.45% | 3.50% |
| 7 Months** | $1,000 | 4.88% | 5.00% |
