Certificates of Deposit (Share Certificate)
Earn higher dividends with deposits you put into our Share Certificates. Share Certificates offer a safe, guaranteed return for a specified period of time.
Certificate Account
- Minimum balances as low as $500
- Dividends are calculated daily and paid monthly
- Lock into a rate for a guaranteed return
Certificate Rates | |||
Effective Date: 5/24/24 | |||
Term | Minimum Balance | APY | Dividend Rate |
6 Months | $500 | 3.04% | 3.000% |
12 Months | $500 | 3.30% | 3.250% |
24 Months | $500 | 3.56% | 3.500% |
36 Months | $500 | 3.82% | 3.750% |
60 Months | $500 | 3.92% | 3.850% |
*The 6 and 12 month CDs allow 1 additional deposit during the term of the CD. |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Certificate dividends are paid monthly. CD early withdrawal penalty: 6 - 12 month CDs = loss of 90 days dividends, 24 - 60 month CDs = loss of 180 days dividends.
Bump Certificate
Earn a great dividend rate with the added advantage of a one time rate increase if rates go up in the future.
- Minimum balance as low as $500
- dividends are calculated daily and paid monthly
- Lock into a rate for a guaranteed return
- Allows one rate increase over term of certificate
Bump Option Certificates | |||
Effective Date: 5/24/24 | |||
Term | Minimum Balance | APY | Dividend Rate |
24 Months | $500 | 3.30% | 3.250% |
36 Months | $500 | 3.43% | 3.375% |
60 Months | $500 | 3.56% | 3.500% |
*Bump Option CDs allow a single bump to the current rate during the term of the CD. |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Certificate dividends are paid monthly. CD early withdrawal penalty: 6 - 12 month CDs = loss of 90 days dividends, 24 - 60 month CDs = loss of 180 days dividends.
Youth Certificates* (Ages 0 -17)
- Minimum balances as low as $100
- Dividends are calculated daily and paid monthly
- Lock into a rate for a guaranteed return
- The Youth CD allows up to 2 deposits or monthly payroll deductions. See rate sheet for details.
Youth Certificates | |||
Effective Date: 5/24/24 | |||
Term | Minimum Balance | APY | Dividend Rate |
12 Months | $100 | 3.82% | 3.750% |
*The Youth CD allows up to 2 deposits or monthly payroll deductions. |
*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Certificate dividends are paid monthly. CD early withdrawal penalty: 6 - 12 month CDs = loss of 90 days dividends, 24 - 60 month CDs = loss of 180 days dividends.
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