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certificates

A certificate account provides a secure savings option with higher returns. Whether you have a lofty savings goal or simply want to sit back and watch your earnings grow, we have a certificate account designed to meet your needs. With flexible terms and competitive fixed rates for the term of your certificate, a certificate account is a safe and smart way to earn a guaranteed return on your investment.

regular certificate accounts

  • minimum investment of only $500
  • 3 to 60 month terms available
  • dividend rate fixed for the term of the certificate
  • APY (Annual Percentage Yield) based on the assumption that dividends remain on deposit until certificate matures
  • dividends compounded and posted quarterly
  • penalty for early withdrawal
  • funds insured up to $250,000 by the NCUA, National Credit Union Administration

youth certificate accounts

  • minimum investment of only $25
  • additional deposits can be made - minimum of $25
  • maximum account balance of $1,000
  • 12-month term
  • automatically renewable with a fixed dividend rate
  • dividends compounded and posted quarterly
  • penalty for early withdrawal
  • funds insured up to $250,000 by the NCUA, National Credit Union Administration

Certificates Rates

*APY = Annual Percentage Yield. The APY is current as of 4/1/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. Penalty for early withdrawal. Call us at 800.562.6049 for current information. 
Product Min Balance APY* NR
3 month $500.00 0.50% 0.50%
6 month $500.00 3.75% 3.70%
12 month $500.00 3.90% 3.84%
18 month $500.00 0.90% 0.90%
24 month $500.00 1.00% 1.00%
36 month $500.00 3.00% 2.97%
48 month $500.00 2.65% 2.62%
60 month $500.00 2.55% 2.53%
youth certificate $25.00 0.80% 0.80%

come join us!