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:


Share Certificates (CDs/IRAs)

DescriptionTermDividend RateAPY
1-5 months0.50%0.50%
6-11 months0.80%0.80%
12-23 months1.00%1.00%
24-35 months1.30%1.31%
36-47 months1.50%1.51%
48-59 months1.90%1.91%
60+ months2.50%2.52%
Youth and Young Adult Savings Certificates3 month0.50%0.50%
6 month0.80%0.80%
12 month1.00%1.00%
24 month1.30%1.30%
Share Certificates (IRA)1-5 months0.60%0.60%
6-11 months0.90%0.90%
12-23 months1.10%1.10%
24-35 months1.40%1.41%
36-47 months1.60%1.61%
48-59 months2.00%2.02%
60+ months2.60%2.63%
Share IRA.50%.50%
Kickstart IRA**12 months1.10%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)

*APY = Annual Percentage Yield. Minimum deposit required of $250.00 with a maximum deposit of $250,000.00. Rates effective as of 08/03/2018 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.