Our certificates help you save even more in less time. Just pick your term to lock in a fixed rate. No surprises — just solid, low-risk savings.

Rates

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Key Features

  • Guaranteed Returns
  • Competitive Dividends
  • No Setup or Maintenance Fees
  • Competitive, fixed rates that are higher than standard savings
  • The longer your term, the higher your rate
  • Provides more guarantee than other, more risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 3 months to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • $500 minimum deposit to open
  • $10 minimum deposit to open a 12-month “+Plus” Certificate (add to certificate over time to earn dividends)

Certificate Specials 

Term APY* Dividend Rate
11 Month Special  5.00% 4.88%
17 Month Special  4.75% 4.64%

Bonus Certificate

Term APY** Dividend Rate
24 Month Bonus  5.00% (Months 1-12) 4.88%
4.00% (Months 13-24) 3.92%

*APY = Annual Percentage Yield. All deposit rates are accurate as of 1/12/2024. APY is accurate as of the last dividend declaration date. Early withdrawals subject to penalty. Minimum balance to open and earn dividends: $500.00. 11 Month Special APY = 5.00% Rate = 4.88%. 17 Month Special APY = 4.75% Rate = 4.64%. Rates subject to change.

**APY = Annual Percentage Yield. Early withdrawals subject to penalty. Minimum balance to open and earn dividends: $500.00. Months 1-12 APY = 5.00% Rate = 4.88%. Months 13-24 APY = 4.00% Rate = 3.92%. Rates subject to change. Rates as of 1/12/2024. IRAs are not eligible.