Certificates earn more dividends than regular savings
A certificate is like a promise: You promise to set aside a fixed amount of cash (at least $500) for a set period of time, from six months to five years. In return, we give you a higher dividend rate than you could get in a regular savings account. Our rate is guaranteed for the term of the deposit.
Your funds are fully insured by the federal government; your money is safe and sound while the dividends compound every month.
Here’s How It Works
- Deposit a minimum of $500 with a guaranteed Annual Percentage Yield*.
- Collect dividends that are compounded and credited monthly.
- At the end of your certificate’s term, withdraw your money plus the dividends you’ve earned, or roll over your earnings into a new certificate.
Share & IRA Certificate Rates
|MINIMUM AVERAGE DAILY|
BALANCE TO OBTAIN APY
|TERM||DIVIDEND RATE||ANNUAL PERCENTAGE YIELD|
|$500.00||3 Months||0.399%||0.40%*||Open a 3-month certificate Now|
|$500.00||6 Months||0.449%||0.45%*||Open a 6-month certificate Now|
|$500.00||9 Months||0.449%||0.45%*||Open a 9-month certificate Now|
|$500.00||12 Months||0.499%||0.50%*||Open a 12-month certificate Now|
|$500.00||15 Months||0.499%||0.50%*||Open a 15-month certificate Now|
|$500.00||18 Months||0.499%||0.50%*||Open a 18-month certificate Now|
|$500.00||24 Months||0.598%||0.60%*||Open a 24-month certificate Now|
|$500.00||36 Months||0.698%||0.70%*||Open a 36-month certificate Now|
|$500.00||48 Months||0.698%||0.70%*||Open a 48-month certificate Now|
|$500.00||60 Months||0.847%||0.85%*||Open a 60-month certificate Now|
Rates accurate as of 07/01/21.
*Rate shown is Annual Percentage Yield (APY), accurate as of 07/01/21, and subject to change without notice. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity and that a withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. The dividend rate and APY may change on the 1st and 16th of every month, as determined by the Board of Directors.