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Variable Rate Certificate

get ahead, with flexible & accessible saving.

A 12‑Month Variable Rate Certificate designed to keep your savings moving forward, automatically. As the market shifts, your earning potential shifts with it, giving you the flexibility and opportunity traditional fixed‑rate certificates can’t match. Plus, enjoy one withdrawal without penalty per calendar quarter!


12 month variable rate certificates

A certificate account provides a secure, savings option with higher returns. A certificate account is a safe and smart way to earn a return on your investment.

  • 12 month term
  • Automatically renewable
  • $5,000 minimum deposit required
  • Dividend rate may change quarterly.
  • Dividends compound and posted quarterly 
  • One withdrawal allowed without penalty per calendar quarter. Additional withdrawals subject to penalty equivalent to three (3) months dividends
  • May make additional deposits to certificate of deposit in minimum amounts of $2,500
  • Option to compound the interest or transfer interest to a share. Interest compounded quarterly and paid quarterly

Variable Certificate Rates

*APY = Annual Percentage Yield. The APY is current as of 8/31/2026. Fees could reduce earnings to the account. All Credit Union programs, rates, terms and conditions are subject to change at any time without notice. The dividend rate may change quarterly. Penalty for early withdrawal. If the account balance falls below $5,000, the dividend rate will change to the current Regular Savings account dividend rate. Call us at 800.562.6049 for current information. 

Product Min Balance APY* NR
12 month $5,000.00 3.29% 3.25%