Certificates
Our Certificates are our highest yielding account with a choice of terms from 3 months to 60 months. If saving money or diversifying your retirement savings is your plan, our Certificates are virtually risk-free.
APY*
APY**
APY^
APY#
Certificate Features
- Choice of terms, from 3 months to 60 months
- Higher rates than a standard savings account
- Funds are federally insured up to $250,000.
- Minimum investment for a certificate is $500.00 ($100 for youth accounts)
- Very low risk investment
- Can be opened as a Trust account
*APY=Annual Percentage Yield. Membership Required. 12-month certificate requires a $500 minimum investment, $100 for youth accounts. $500-$24,999 is 3.00% APY, $25,000-$99,999 is 3.05% APY, $100,000-$249,999 is 3.10% APY, $250,000+ is 3.10% APY. Penalty for early withdrawal.
**APY=Annual Percentage Yield. Membership Required. 24-month certificate requires a $500 minimum investment, $100 for youth accounts. $500-$24,999 is 4.30% APY, $25,000-$99,999 is 4.35% APY, $100,000-$249,999 is 4.40% APY, $250,000+ is 4.40% APY. Penalty for early withdrawal.
^APY=Annual Percentage Yield. Membership Required. 36-month certificate requires a $500 minimum investment, $100 for youth accounts. $500-$24,999 is 4.05% APY, $25,000-$99,999 is 4.10% APY, $100,000-$249,999 is 4.15% APY, $250,000+ is 4.15% APY. Penalty for early withdrawal.
#APY=Annual Percentage Yield. Membership Required. 60-month certificate requires a $500 minimum investment, $100 for youth accounts. $500-$24,999 is 3.75% APY, $25,000-$99,999 is 3.80% APY, $100,000-$249,999 is 3.85% APY, $250,000+ is 3.85% APY. Penalty for early withdrawal.