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Certificate Accounts

Save and earn more, the safe and secure way

Reach your savings goals safely


Our certificate accounts help you earn a higher yield on your savings without the risk of stock market fluctuations. That means, your money stays put while you earn dividends.

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Low opening balance

$250 minimum
($25 for youth on a 12-month certificate)
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Flexible terms

between 6 and 84 months
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One-time bump feature

Some certificates allow you to bump-up your rate once during the term
Deposit or withdraw money
Penalty-free interest withdrawal

at any time


Rising Certificate Rates are in Season 
Rates as High as 4.07% APY

Open a Certificate  View Today's Rates

Youth certificate account

As a not-for-profit financial institution, we believe in celebrating financial literacy. That’s why we offer special accounts to help youth and young adults get started on the road to a bright financial future.
Get Started on the Road to a Bright Financial Future

Open a Certificate  View Today's Rates

Members under age 18 can begin earning with as little as $25 on our 12-month certificate.

 
Still have questions?
Schedule an in-branch appointment to learn more about our certificate accounts.

It's Like a Credit Union In Your Pocket

Access your accounts, move money, and make payments – all from within our user-friendly mobile app.

Mobile Banking

















APY (Annual Percentage Yield) as of March 1, 2024, and is subject to change. Click here to view current Certificate rates. A penalty may be charged for early withdrawal. One-Time Bump: If your rate has a bump feature and we advertise a higher rate on the same certificate type and term, you can request to move your certificate to the new rate. Withdrawal: allows a penalty-free withdrawal of your interest at any time. Add-On: If your certificate has an add-on feature, add-ons are limited to $10,000 through the duration of the certificate. IRA certificate add-ons are subject to limits set by the IRS. Dividends will be compounded and credited monthly and at maturity. Standard certificates: Dividends paid monthly based on average daily balance. 25-month and 11-month certificate specials:  Eligible for add-ons. Certificate balances are capped at $2,000,000 per certificate type, plus dividends. 25-month certificate rolls into a 24-month certificate upon maturity. 11-month certificate rolls into a 12-month certificate upon maturity.

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