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.
Key Features
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Guaranteed Returns
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Competitive Dividends
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No Setup or Maintenance Fees
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 | 5.00% | 4.88% |
Bonus Certificate
| Term | APY** | Dividend Rate |
|---|---|---|
| 24 Month Bonus | 5.25% (Months 1-12) | 5.12% |
| 4.25% (Months 13-24) | 4.16% |
*APY = Annual Percentage Yield. All deposit rates are accurate as of 09/01/2023. APY is accurate as of the last dividend declaration date. Early withdrawals subject to penalty. Minimum balance to open and earn dividends: $500.00. APY = 5.00% Rate = 4.88%. 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 = 5.25% Rate = 5.12%. Months 13-24 APY = 4.25% Rate = 4.16%. Rates subject to change. Rates as of 8/22/2023. IRAs are not eligible.