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

Certificate Specials (Last Modified: Feb 07, 2018)

TermDividend RateAPY
10 month special1.15%1.15%
15 month special1.50%1.51%
30 month special2.00%2.02%

*APY = Annual Percentage Yield. Minimum deposit required of $250.00 with a maximum deposit of $250,000.00. Rates effective as of 02/07/2018 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: Jan 17, 2018)

DescriptionTermDividend RateAPY
1-5 months0.30%0.30%
6-11 months0.50%0.50%
12-23 months0.70%0.70%
24-35 months0.90%0.90%
36-47 months1.10%1.10%
48-59 months1.50%1.51%
60+ months1.70%1.71%
Share Certificates (IRA)1-5 months0.40%0.40%
6-11 months0.60%0.60%
12-23 months0.80%0.80%
24-35 months1.00%1.00%
36-47 months1.20%1.20%
48-59 months1.60%1.61%
60+ months1.80%1.81%
Kickstart IRA** 12 months0.90%0.90%
Savings IRA
(No minimum balance)