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

4.20% APY 1 13-Month Certificate Special 2

Automatic renewal at maturity (will renew to 12-month term)

Offer available for a limited time only

Give us a call or stop into a branch 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.


1APY = Annual Percentage Yield. APY is accurate as of 2/3/2023 and is subject to change. 2Minimum opening and maintained balance of $2,500.00 per member account number. The APY for 13-month Jumbo Certificates is 4.40% with a minimum deposit and maintained balance of $100,000.00 per member account number. A penalty equal to 180 days simple interest may be imposed for early withdrawal and could reduce earnings. Offer for a limited time only. Membership eligibility required.


Regular Share Certificates

  • Competitive dividend rates. View Rates »  
  • Low minimum balance for regular share certificates ($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. View Rates »  
  • 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  • 3-month Transfer Certificates: You must pay a penalty equal to 45 days simple interest on the amount withdrawn.
  • 3-month Compounding Certificates: You must pay a penalty equal to 45 days interest on the amount withdrawn.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  • 6- and 12-month Transfer Certificates: You must pay a penalty equal to 90 days simple interest on the amount withdrawn.
  • 6- and 12-month Compounding Certificates: You must pay a penalty equal to 90 days interest on the amount withdrawn.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.