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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: 11/08/2018
TermMinimum Balance APYDividend Rate
6 Months $500 0.65% 0.650%
12 Months $500 1.00% 1.000%
24 Months $500 1.32% 1.310%
36 Months $500 1.52% 1.510%
60 Months $500 1.83% 1.810%
*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.

Apply today!

 

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: 11/08/2018
TermMinimum Balance APYDividend Rate
24 Months $500 1.26% 1.250%
36 Months $500 1.46% 1.450%
60 Months $500 1.76% 1.750%
*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.

Apply today!

 

Youth Certificates* (Ages 1-17)

  • Minimum balances as low as $500
  • Dividends are calculated daily and paid monthly
  • Lock into a rate for a guaranteed return

Youth Certificates
Effective Date: 11/08/2018
TermMinimum Balance APYDividend Rate
12 Months $100 1.24% 1.230%
*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.

Apply today!

 

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