Certificates

Certificates 

  • Terms available: 6-mo, 1, 2, 3, 4, 5 & 7 year terms
  • Minimum balance: $1,000
  • Dividends are compounded monthly & credited on the last day every month

                                                                 Current Rates


                                                                         Certificates

TERM DIVIDEND RATE APY
6 Month1 4.89% 5.00%
12 Month 3.20% 3.25%
24 Month 3.20% 3.25%
25 Month2 3.93% 4.00%
36 Month 3.20% 3.25%
48 Month  2.96% 3.00%
60 Month  2.96% 3.00%
84 Month  2.23% 2.25%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 11.01.24 and subject to change at any time. Penalty for early withdrawal. 
16-Month certificate special only. APY = Annual Percentage Yield. 4.89% dividend rate. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 11.01.24 and subject to change at any time. Penalty for early withdrawal. Will renew to the 6-month CD if auto-renew is chosen. 
2 25-Month certificate special only. APY = Annual Percentage Yield. 3.93% dividend rate. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 11.01.24 and subject to change at any time. Penalty for early withdrawal. Will renew to the 24-month CD if auto-renew is chosen.

                                                                          HSA Certificates

TERM DIVIDEND RATE APY
6 Month1 4.89% 5.00%
12 Month 3.20% 3.25%
24 Month 3.20% 3.25%
25 Month2 3.93% 4.00%
36 Month 3.20% 3.25%
48 Month  2.96% 3.00%
60 Month  2.96% 3.00%
84 Month  2.23% 2.25%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 11.01.24 and subject to change at any time. Penalty for early withdrawal. 
16-Month certificate special only. APY = Annual Percentage Yield. 4.89% dividend rate. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 11.01.24 and subject to change at any time. Penalty for early withdrawal. Will renew to the 6-month CD if auto-renew is chosen. 
2 25-Month certificate special only. APY = Annual Percentage Yield. 3.93% dividend rate. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 11.01.24 and subject to change at any time. Penalty for early withdrawal. Will renew to the 24-month CD if auto-renew is chosen.

IRA CERTIFICATE ACCOUNT

TERM DIVIDEND RATE APY
6 Month1 4.89% 5.00%
12 Month 3.20% 3.25%
24 Month 3.20% 3.25%
25 Month2 3.93% 4.00%
36 Month 3.20% 3.25%
48 Month  2.96% 3.00%
60 Month  2.96% 3.00%
84 Month  2.23% 2.25%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 11.01.24 and subject to change at any time. Penalty for early withdrawal. 
16-Month certificate special only. APY = Annual Percentage Yield. 4.89% dividend rate. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 11.01.24 and subject to change at any time. Penalty for early withdrawal. Will renew to the 6-month CD if auto-renew is chosen. 
2 25-Month certificate special only. APY = Annual Percentage Yield. 3.93% dividend rate. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 11.01.24 and subject to change at any time. Penalty for early withdrawal. Will renew to the 24-month CD if auto-renew is chosen.

IRA SAVINGS ACCOUNT

TERM DIVIDEND RATE APY
N/A 1.50% 1.51%
APY = Annual Percentage Yield. Membership savings account required. $1,000 minimum deposit. Not eligible for online opening. Maximum $1,000,000 per household. Rates effective 11.01.2024 and subject to change at any time. Penalty for early withdrawal.