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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





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.


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


Still have questions?

Make 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 December 1, 2021, and is subject to change. Click here to view current Certificate rates. A penalty may be charged for early withdrawal. Certificate balances are capped at $250,000, plus dividends. 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. Certificate add-ons are also subject to the certificate balance cap of $250,000 plus dividends. 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. 39 Month Certificate Special: Not eligible for add-ons.
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