Share Certificates

Increased earnings

Grow Your Savings Faster

Share certificates are a great way to save for your future – faster. And, we have terms to meet just about anyone’s long- and short-term goals.



Certificate special for a limited time

5.00% APY1  11-Month Certificate Special2

5.20% APY1 on certificates $100,000 or more.

Give us a call, stop into a branch, or use Quick Apply within Digital Banking to take advantage of this special today!

Looking to grow your savings for your business? We're offering the same special for our Business Certificates.

Membership eligibility required. 1-APY = Annual Percentage Yield. APY is accurate as of 8:00 a.m. Friday, October 13, 2023 and is subject to change. 2-Minimum opening deposit and maintained balance of $2,500 per member account number. The APY for 11-month Jumbo Certificates is 5.20% with a minimum opening deposit and minimum maintained balance of $100,000. A penalty may be imposed for early withdrawal and could reduce earnings. Offer for a limited time only.



Regular Share Certificates

  • Competitive dividend rates.
  • Minimum balance of $1,000
  • Choose to have dividends compound monthly within certificate or automatically transfer monthly to a non-certificate share.
  • Terms available from 3 to 60 months.
  • Automatic renewal at maturity. 

Jumbo Certificates

  • Higher competitive dividend rates.
  • Minimum Balance of $100,000
  • Choose to have dividends compound monthly within certificate or automatically transfer monthly to a non-certificate share.
  • Terms available from 3 to 60 months.
  • Automatic renewal at maturity. 
  • Minimum balance for Jumbo Certificates is $100,000

Penalties

Federal regulations require the following penalties be imposed on early withdrawals from Certificate Accounts.

  • 3-month Transfer Certificates: You must pay a penalty equal to 45 days simple interest on the amount withdrawn.
  • 3-month Compounding Certificates: You must pay a penalty equal to 45 days interest on the amount withdrawn. This penalty also applies to any dividends already credited to the certificate.
  • 6- and 12-month Transfer Certificates: You must pay a penalty equal to 90 days simple interest on the amount withdrawn.
  • 6- and 12-month Compounding Certificates: You must pay a penalty equal to 90 days interest on the amount withdrawn. This penalty also applies to any dividends already credited to the certificate.
  • 18- and 24-month Transfer Certificates: You must pay a penalty equal to 180 days simple interest on the amount withdrawn.
  • 18- and 24-month Compounding Certificates: You must pay a penalty equal to 180 days interest on the amount withdrawn. This penalty also applies to any dividends already credited to the certificate.
  • 36-, 48-, and 60-month Transfer Certificates: You must pay a penalty equal to 360 days simple interest on the amount withdrawn.
  • 36-, 48-, and 60-month Compounding Certificates: You must pay a penalty equal to 360 days interest on the amount withdrawn. This penalty also applies to any dividends already credited to the certificate.