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, excluding "Jumbo" CDs.
Certificate dividends are paid each month. There is a substantial penalty for early withdrawal.
|
TERM |
APR |
APY |
Minimum to Open |
|---|---|---|---|
|
3 Months |
3.00% |
3.04% |
$1,000 |
|
6 Months |
3.15% |
3.20% |
$1,000 |
|
9 Months |
3.25% |
3.30% |
$1,000 |
|
1 Year |
3.50% |
3.56% |
$1,000 |
|
2 Years |
3.15% |
3.20% |
$1,000 |
|
3 Years |
3.25%
|
3.30%
|
$1,000
|
|
4 Years |
3.35%
|
3.40%
|
$1,000
|
|
5 Years |
3.50%
|
3.56%
|
$1,000
|
EFFECTIVE DATE: 06/18/2025 – rates are subject to change without notice.