Share Certificates are time accounts that earn higher interest for investing long-term. Choose your own investment period ranging from 3 months to 60 months.


• Main Savings Account
• $250 minimum deposit


• Earns higher interest than traditional savings accounts
• No annual fees
• No monthly service charge
• Quarterly statements
• Quarterly dividends
• Ten day grace period at maturity
• Early withdrawal penalties may apply

Other Savings Options:

• Savings account
Christmas Club

*APY = Annual Percentage Yield. Minimum deposit required of $250.00 with a maximum deposit of $250,000.00. Rates effective as of 11/01/2017 and subject to change without notice. Early withdrawal penalties may apply. Fees may reduce earnings. At maturity account is subject to automatic renewal at the rate then in effect for that term. IRA options available. Membership rules and restrictions apply.

Share Certificates (CDs/IRAs) (Last Modified: Nov 03, 2017)

DescriptionTermDividend RateAPY
1-5 months0.20%0.20%
6-11 months0.35%0.35%
12-23 months0.55%0.55%
24-35 months0.80%0.80%
36-47 months1.00%1.00%
48-59 months1.35%1.36%
60+ months1.55%1.56%
Share Certificates (IRA)1-5 months0.30%0.30%
6-11 months0.45%0.45%
12-23 months0.65%0.65%
24-35 months0.90%0.90%
36-47 months1.10%1.10%
48+ months1.45%1.46%
Kickstart IRA** 12 months0.75%0.75%
Savings IRA
(No minimum balance)

APY - Annual Percentage Yield
Minimum deposit for IRA Certificate Accounts - $250.00
Rates are fixed for the term of the Account.
A Penalty may be imposed for early withdrawal.
Youth - minimum deposit of $100. 3 months - 2 years terms. $3,000 maximum certificate amount. Dividends may be withdrawn at any time without penalty or added to principal. Penalty for early principal withdrawals.
**Kickstart IRA needs a minimum $100.00 to open with a max of $250,000.00. Subsequent deposits allowed.