Certificates

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.

Requirements:

Main Savings Account
$250 minimum deposit

Benefits:

  • 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:

Share Certificates (CDs/IRAs)

Edit
Description Term Dividend Rate APY
1-5 months 0.50% 0.50%
6-11 months 0.80% 0.80%
12-23 months 1.00% 1.00%
24-35 months 1.30% 1.31%
36-47 months 1.50% 1.51%
48-59 months 1.90% 1.91%
60+ months 2.50% 2.52%
Youth and Young Adult Savings Certificates 3 month 0.50% 0.50%
6 month 0.80% 0.80%
12 month 1.00% 1.00%
24 month 1.30% 1.30%
Share Certificates (IRA) 1-5 months 0.60% 0.60%
6-11 months 0.90% 0.90%
12-23 months 1.10% 1.10%
24-35 months 1.40% 1.41%
36-47 months 1.60% 1.61%
48-59 months 2.00% 2.02%
60+ months 2.60% 2.63%
Share IRA .50% .50%
Kickstart IRA** 12 months 1.10% 1.10%

Early withdrawal penalties may apply. At maturity, account is subject to automatic renewal at the rate then in effect for that term. --Dividends compounded quarterly.
For Share Certificates: Minimum deposit $250.00.
For Youth/Young Adult certificates: Minimum deposit $100.00 with maximum amount of $3,000.00.
For IRA certificates: Dividends compounded quarterly, certificate minimum balance $250.00, minimum deposit to open $250.00.
**Kickstart IRA needs minimum $100.00 to open with a max of $250,000.00. Subsequent deposits allowed.

Last Modified: Aug 03, 2018