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Certificates

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Saving money is great. Growing your money is even better!

If you prefer having peace of mind on your investments, our federally-insured Certificates are for you. We feature fixed rates for 6 to 60-month terms. The minimum balance on most of our Certificates is just $1,000, and dividends can be paid to you monthly, deposited into another account, or reinvested back into the Certificate.

Here’s what our Certificates offer:

  • Our highest rates
  • No setup or monthly maintenance fees
  • Convenient dividend payment options
  • Automatic renewal
  • IRA, HSA, & ESA options

Ready to open a Certificate?

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Regular Certificate Rates

Regular Certificates
TermMin. BalanceAPR*APY**
6-month $1,000 4.65% 4.75%
12-month $1,000 4.41% 4.50%
18-month $1,000 4.02% 4.10%
24-month $1,000 3.92% 4.00%
36-month $1,000 3.68% 3.75%
60-month $1,000 3.68% 3.75%

 

Bump-Up Certificates

With a Bump-Up, you may raise your earnings rate one time (during your term) to the current rate on a like-term certificate. Activating Bump-Up is easy - there's no cost and no waiting period. 

Learn More

 

Why invest in a Certificate?

Higher Earnings

Higher Earnings

If you have large amounts of cash sitting in a checking account or hidden in a box, it’s probably not earning much. Certificates have a higher return than most savings options, allowing your money to grow faster.

financial security

Financial Security

If you invest in the stock market or cryptocurrency, you may lose money in an economic downturn. With us, your money is guaranteed to earn dividends* and is federally insured to at least $250,000.

minimal effort to start

Minimal Effort to Start

Just make a deposit and ask us to put it in the Certificate of your choice. 

 

Frequently Asked Questions

 


*APR=Annual Percentage Rate    **APY = Annual Percentage Yield. Early withdrawal penalties, restrictions, and limitations may apply; fees may reduce earnings. Call for details.