Checking & Savings / Savings / Certificates
Invest your money the safe and secure way
Sitting on $250 or more?
Lock your funds in a share certificate and watch your savings flourish.
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Core Benefits
Many Certificate Options
Choose from 3-60 month terms. Also, keep an eye out for limited-time specials!
Guaranteed Investment
Certificates do not fluctuate with the market. At maturity, you will earn the rate you locked in!
Additional Benefits
NCUA Insured
Plus, with Excess Share Insurance, your deposits are insured up to $1,000,000! Learn More
Member Loyalty Cash
Your balance can help you qualify for our year-end patronage dividend! Learn More
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Monthly Fee |
None |
|
Minimum Opening Deposit |
$250 |
|
Dividends Compounded |
Quarterly |
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Term Options |
3, 6, 12, 18, 24, 30, 36, 48, and 60 months Keep an eye out for limited-time certificate specials that generally offer higher rates! |
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Certificate Renewal |
Your certificate will auto-renew at the end of your term¹ unless you choose to withdraw the funds during a specified period. We will send you a reminder prior to the maturity date! |
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Early Withdrawal Fee |
If you choose to close your certificate prior to its maturity date, penalty fees many apply.²² |
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24/7 access to your accounts with digital banking!
Holistic Account Management
Connect your bank accounts from other financial institutions to see your full financial life in one place.
Financial Wellness Tools
Credit Score & More, savings goals, budget tracker, spending analysis, and more!
E-Statements
Skip the paper statements and go paperless.
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Certificate Specials
|
Term |
Renews For |
Rate |
APY³ |
|
7-Month |
6 months |
3.79% |
3.85% |
|
13-Month |
12 months |
3.98% |
4.05% |
|
20-Month |
18 months |
4.18% |
4.25% |
Certificates
|
Term |
Rate |
APY³ |
|
3-Month |
3.15% |
3.19% |
|
6-Month |
3.21% |
3.25% |
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12-Month |
3.25% |
3.29% |
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18-Month |
3.30% |
3.34% |
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24-Month Step-Up* |
3.40% |
3.45% |
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30-Month |
3.45% |
3.50% |
|
36-Month |
3.47% |
3.51% |
|
48-Month |
3.50% |
3.54% |
|
60-Month |
4.40% |
4.47% |
*With a Step-Up Certificate, you can “step up” to a higher rate once during the duration of the term. Keep an eye on our 24-month certificate rates, and contact us if you’d like to step up!
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Share Certificates
If you're willing to wait, a share certificate can be a great way to earn a high interest rate on the money you deposit.
Learn More 3 MIN READ
Certificate Calculator
See how much your certificate can grow with different interest rates over time.
Learn More 1 MIN ACTIVITY
Is the Money in My Account Safe?
Yes! Thanks to the NCUA, a credit union is one of the safest places to store money.
Learn More 4 MIN READ
Some restrictions apply. See current fee schedule.
[1] Certificates will generally renew for a term identical to the original certificate (e.g., a 30-month certificate renewing for 30 months). However, some certificates will renew for a different term than the original certificate (e.g., a 13-month certificate special renewing for 12 months). Be sure to review the auto-renewal details prior to opening a certificate.
[2] Closing a certificate before the maturity date will result in a penalty equal to portion of the interest earned on the certificate, up to the full amount of interest earned. The penalty will not be greater than the interest earned to date, so you will always receive back the original deposit amount at minimum. Certificates opened with 3- and 6-month terms have a maximum penalty of 30-days’ interest. Certificates opened with 12-month terms or longer have a maximum penalty of 180-days' interest. See our Certificate Specials to see their associated penalties. IRA Certificates held by members who have Required Minimum Distributions (RMDs) to take out are not subject to these penalties and can withdraw partial balances from Certificates without closing them to satisfy RMDs.
[3] APY is Annual Percentage Yield. Rates accurate as of 8/7/2026. Rates subject to change. Any Certificate may be used for IRAs.