Certificates

Earn a higher yield with a regular or IRA certificate.

Terms range from 90 days up to 5 years. IRA options are available. The minimum balance requirement is $500. Certificates may be opened online (choose either existing member or become a member then select certificate from the product offerings), through online banking or at any of our convenient financial centers. See current rates below.

Open a Certificate

Table data for Certificate Special
 
Term Rate APY1 Alert Me
11 Months 2.37% 2.40%
  • 1*APY denotes Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. 11-month certificate will renew automatically to a 12-month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money only. Cannot be opened online; must be opened in a Financial Center or over the phone.
Table data for Grow Certificate
 
Term Rate APY Alert Me
5 Months1 1.24% 1.25% Receive a notification when this rate changes
13 Months2 2.23% 2.25% Receive a notification when this rate changes
  • 1APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate automatically renews to a 6-Month term at its current rate. Automatic recurring deposit of at least $50/month required. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. IRA certificates not available.
  • 2APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate automatically renews to a 12-Month term at its current rate. Automatic recurring deposit of at least $50/month required. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone. IRA certificates not available.
Table data for Thrive Certificate
 07-22-2019
Term Dividend Rate APY Alert Me
5 Months1 1.24% 1.25%
13 Months2 2.23% 2.25%
  • 1APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 6-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone.
  • 2APY=Annual Percentage Yield. Available for a limited time only; rates and offers are subject to change without prior notice and can be withdrawn at any time. Certificate will renew automatically to a 12-Month term at its current rate. A penalty will be applied for early withdrawal. $500 minimum balance to open. New money or current ongoing direct deposit of at least $500/month required. Cannot be opened online; must be opened in a Financial Center or over the phone.

Printable Rates

Table data for Certificates & IRA Certificates
 07-22-2019
Term Dividend Rate1 APY2 Alert Me
3 Months 0.25% 0.25%
6 Months 0.30% 0.30%
9 Months 0.35% 0.35%
12 Months 0.40% 0.40%
18 Months 0.75% 0.75%
24 Months 0.90% 0.90%
30 Months 0.85% 0.85%
36 Months 1.24% 1.25%
48 Months 1.59% 1.60%
60 Months 1.88% 1.90%
  • 1The dividend rate will be paid until the certificate matures. Upon maturity of the certificate, unless you contact us prior to maturity, the certificate will automatically renew to the original term and at the current rate in effect at the time of maturity. A penalty will be applied for early withdrawal. $500 minimum balance to open.
  • 2APY = Annual Percentage Yield