Certificates
Certificate Accounts are available to fit your personal financial needs. Minimum deposit requirements are low, making even small investments earn the highest possible dividends. Certificate accounts offer a higher earning potential for members. A minimum balance of $1,000 is required to open with terms from 6 months to 5 years.
Dividends are paid at maturity for a 6 month Certificate. One-year, two-year, three-year, and five-year Certificates have dividends paid at the end of each month. There is a substantial penalty for early withdrawal.
|
TERM |
APR |
APY |
Minimum to Open |
|---|---|---|---|
|
6 months |
3.00% |
3.02% |
$1,000 |
|
9 months |
3.10% |
3.14% |
$1,000 |
|
1 Year |
3.20% |
3.25% |
$1,000 |
|
2 Years |
3.30% |
3.35% |
$1,000 |
|
3 Years |
3.50%
|
3.56%
|
$1,000
|
|
4 Years |
3.75%
|
3.82%
|
$1,000
|
|
5 Years |
4.00%
|
4.07%
|
$1,000
|
EFFECTIVE DATE: 12/27/2022 – rates are subject to change without notice.