Certificates

Share & IRA Certificates

Certificates are great tools for helping you achieve your savings goals! They're also a great way to save some cash that you don’t need right away. Since you agree to keep your money on deposit for an agreed amount of time, we agree to pay you a higher return on your money. Everyone wins!

It's a safe and easy way to earn more. Save for a down payment on a home, your upcoming retirement, or a boost in your vacation fund. 

  • Minimum $500 to open

  • All certificates automatically renew at the end of the term

  • Fixed rate of return

  • Terms: 6, 12, 15, 24, 36, 48, and 60 months

  • Earn more with Relationship Rewards at the Platinum level

Rates for Share & IRA Certificates

Term

Annual Percentage Yield

Platinum APY*

Minimum to
Earn Dividends

Minimum
Opening Balance

6 Month

2.00%

N/A

$500.00

$500.00

12 Month

2.10%

2.20%

$500.00

$500.00

15 Month

2.10%

2.20$

$500.00

$500.00

24 Month

2.35%

2.45%

$500.00

$500.00

36 Month

2.30%

2.40%

$500.00

$500.00

48 Month

2.30%

2.40%

$500.00

$500.00

60 Month

2.50%

2.60%

$500.00

$500.00


Share Builder Certificate

If getting started on your savings nest egg is a challenge, our Share Builder Certificate is the answer! This special 12-month certificate removes all your excuses:

  • Only need $25 to open

  • Add money anytime during the term - there are no restrictions!

  • Use Online Banking and Mobile App to set up recurring transfers from your Checking Account

  • Tempted to cash it out? Early withdrawal fees apply, so keep your money, don’t give it to us!

Rates for Share Builder Certificate

Term

Annual Percentage Yield

Platinum APY*

Minimum
to Earn Dividends

Minimum
Opening Balance

12 Month

2.10%

N/A

$25.00

$25.00


Jumbo Share Certificates

If you’ve got savings you want to grow and protect, our Jumbo Certificates may be your answer.

  • Minimum $100,000 to open

  • Terms: 6, 12, and 24 months

  • Earn more with Relationship Rewards at the Platinum level

Rates for Jumbo Share Certificates

Term

Annual Percentage Yield

Minimum
to Earn Dividends

Minimum
Opening Balance

6 Month

2.10%

$100,000.00

$100,000.00

12 Month

2.35%

$100,000.00

$100,000.00

24 Month

2.55%

$100,000.00

$100,000.00


The Fine Print

*APY = Annual Percentage Yield.

ALL CERTIFICATES: A penalty for early withdrawal may be imposed. Fees may reduce earnings. Rates effective as of August 13, 2019. Rates are subject to change without notice. Membership eligibility requirements apply. Federally Insured by NCUA.

SHARE & IRA CERTIFICATES: Minimum to earn dividends: $500.00.

JUMBO CERTIFICATES: Minimum to earn dividends: $100,000.00.

PLATINUM CERTIFICATES: APYs are .10% higher. Platinum rewards start for members maintaining total combined monthly household average balances of $50,000+.

SHARE BUILDER CERTIFICATE: Deposits can be added at any time during the certificate program.