Certificates

certificatesCertificate 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

3 Months

3.80%

3.87%

$1,000

6 Months

3.90% 

3.97%

$1,000

9 Months

4.00%

4.08%

$1,000

1 Year

3.45%

3.51%

$1,000

2 Years

3.50%

3.56%

$1,000

3 Years

3.55%
3.61%
$1,000

4 Years

3.75%
3.82%
$1,000

5 Years

4.00%
4.07%
$1,000

EFFECTIVE DATE: 01/02/2024 – rates are subject to change without notice.