Certificates

See our limited time special offer below
Open a New Account View Rates HSAs

Our Certificates feature:

  • Choice of savings periods
  • Higher dividend rates
  • IRA portfolio potential

Certificates

As high as
3.97%APY
Available as IRA and HSA
 

Special Certificate Offer 

Relax, everyone can get this great rate. Our 7-month certificate offers a steady 3.97% APY*, helping your money grow while you sit back and relax. Add it to your savings strategy, or stop by a branch to explore options like an IRA or Health Savings Account. This limited-time offer is here for a short while—don’t miss the chance to make your savings work a little harder for you.

* Annual percentage yield (APY) of 3.97% for a 7-month term was accurate as of 7/1/2026. $250 minimum balance required to open the account and earn the stated APY. Penalty incurred by the early withdrawal of funds may affect your actual APY. If you aren't already a member, a regular share account with a minimum balance of $5.00 is also required. Offer may end at any time.
 

It’s a simple way to feel good about your savings.

Right off the bat, our certificates offer one big benefit - they outperform most traditional savings accounts. Just as importantly, they offer the option of saving for a few months, a few years, or some period in between. That makes long-range financial planning easier and gives you access to extra money right when you need it.

  • Choose the length of your term from several options
  • Earn a higher dividend than most traditional savings accounts
  • In general, the longer term, the higher the annual percentage yield (APY)

Certificates can be an effective part of your everyday savings strategy, or designate it as an Individual Retirement Account or Health Savings Account.

Term Minimum Balance APY
6 months $250 3.75%
7 months $250 3.97%
12 months $250 3.60%
Seedling* (12 months) $100 3.10%
18 months $250 3.55%
24 months $250 3.55%
Sapling** (24 months) $3,000 3.55%
36 months $250 3.55%
48 months $250 3.55%
60 months $250 3.55%

Penalty incurred by early withdrawal of funds may affect your actual APY.

*Limit of one per member. **Variable rate.


For more information, see the Share Certificates Truth-in-Savings Disclosure.

APY = Annual Percentage Yield. Funds are insured to $250,000 by the NCUA. Minimum balance required. Rates may change at any time without notice.

You've got questions, we've got answers

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 You will receive a mailed or e-mailed reminder before your certificate matures. After the maturity date, you have 10 days to let us know if you would like to roll it into a different certificate or withdraw the funds. If you do nothing, it will automatically roll into the same term and type of certificate.

A minimum balance of $250 is required for most certificates, including IRAs.

See the Share Certificates Truth-In-Savings Disclosure for more information.