Certificates
Set your money aside and save more.
Lock in a higher rate
Tuck your money away for a higher rate over a certain amount of time. A Certificate is a great way to save more if you don’t need immediate access to some of your money.
Benefits
Higher rates
Certificates offer a higher APY than regular savings for money you won’t need right away.
Fixed rate
Deposit your money in a Certificate and lock in your rate for that amount of time.
Dividend withdrawal
Dividends on our short-term Certificates are compounded and credited monthly and can be withdrawn at any time.
Peace of mind
Federally insured up to $250,000, a Certificate is one of the safest, most secure investments you can make.
Current rates
|
Term |
Minimum Balance to Earn APY |
APY |
|---|---|---|
| Rates effective 10/12/2024 | ||
|
APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Early withdrawal penalties may apply to certificates. *The 7-month certificate will be offered for a limited time and will renew to the 1-year term at maturity. |
||
|
Term 6-month |
Minimum Balance to Earn APY $500 |
APY 3.00% |
|
Term 7-month Special* |
Minimum Balance to Earn APY $500 |
APY 4.50% |
|
Term 1-year |
Minimum Balance to Earn APY $500 |
APY 4.25% |
|
Term 2-year |
Minimum Balance to Earn APY $500 |
APY 3.50% |
|
Term 3-year |
Minimum Balance to Earn APY $500 |
APY 3.50% |
|
Term 4-year |
Minimum Balance to Earn APY $500 |
APY 3.50% |
|
Term 5-year |
Minimum Balance to Earn APY $500 |
APY 3.50% |
|
Type |
Term |
Minimum Balance to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|---|
| Rates effective 10/12/2024 | ||||
|
For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier. APY = annual percentage yield and reflects the current minimum APY offered. Fees may reduce earnings. Early withdrawal penalties may apply to certificates. Future Saver Plus Certificates are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier. |
||||
|
Type Future Saver |
Term 12 to 60 months |
Minimum Balance to Earn APY $25 |
Dividend Rate 1.98% |
APY 2.00% |
|
Type Future Saver Plus |
Term 12-month |
Minimum Balance to Earn APY $25 – $5,000.00 |
Dividend Rate 3.93% |
APY 4.00% |
|
Type Future Saver Plus |
Term 12-month |
Minimum Balance to Earn APY $5,000.01 and over |
Dividend Rate 1.98% |
APY 4.00% to 2.01% |
Your Certificate options at a glance
-
Minimum to Open
Minimum to Open
-
Add-on Deposit Option
Add-on Deposit Option
-
Rate Type
Rate Type
Future Saver
-
Minimum to Open
$25
-
Add-on Deposit Option
Yes
-
Rate Type
Variable
Term Share
-
Minimum to Open
$500
-
Add-on Deposit Option
No
-
Rate Type
Fixed
Certificates for Minors
Looking to open a Certificate for your child, niece or nephew, or other minor?
Under the Uniform Transfers to Minors Act (UTMA), you can start a Certificate as a gift for someone under 18 and manage it until they are of age. There are certain tax benefits for the minor, up to a certain threshold, so we recommend speaking to a tax advisor to make the most of your gift.
Contact us to learn more and open an account.
