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Earn more with Certificates

Share Certificates offer a competitive, steady dividend rate for a fixed length of time and are best for money you don't need to access for a while.

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Save with the term and rate that fits your needs.

  • Interest compounds daily
  • Federally insured up to $250,000 by the NCUA
3 Month High Yield Certificate
4.00% APY1

Minimum deposit $500.00.

Open account

6 Month High Yield Certificate
4.15% APY1

New money only. Minimum deposit $500.00.

Open account

9 Month High Yield Certificate
4.00% APY1

New money only. Minimum deposit $500.00.

Open account

Certificate Rates
Effective Date: Wednesday, April 2nd, 2025
ProductMinimum DepositNew Money Only 22May be used for Traditional and Roth accounts 23Dividend RateAPY 10Apply Now
3 Months High Yield $500.00 No No 3.92% 4.00% Open account
6 Months High Yield $500.00 Yes No 4.06% 4.15% Open account
9 Months High Yield $500.00 Yes No 3.92% 4.00% Open account
6 months $500.00 No Yes 3.92% 4.00% Open account
9 months $500.00 No Yes 3.68% 3.75% Open account
12 months $500.00 No Yes 3.92% 4.00% Open account
18 months $500.00 No Yes 3.44% 3.50% Open account
24 months $500.00 No Yes 2.96% 3.00% Open account
36 months $500.00 No Yes 2.47% 2.50% Open account
48 months $500.00 No Yes 2.47% 2.50% Open account
60 months $500.00 No Yes 2.47% 2.50% Open account

All certificate offers include:

  • Share/IRA Share Certificate ($500 minimum)
  • Terms ranging from 12 to 60 months
  • Money that grows over the selected term at a guaranteed rate
  • Dividends that are compounded daily and paid monthly
  • No monthly fees
 

Differences in the certificates we offer

 

What's the difference between IRA Certificates and regular Certificates?

  • Share Certificates - help you reach shorter term financial goals
  • Individual Retirement Account (IRA/Traditional & Roth) Certificates - help you reach your retirement savings goals

What’s the difference between Traditional and Roth Certificates?

  • Traditional IRA - Contributions are tax-deductible in the year they are made, because deposits are made pre-tax
  • Roth IRA - Withdrawals in retirement are not taxed, because deposits are made after tax

Bank when and where you want.

With mobile and online banking, two convenient branches on campus, access to over 30,000 ATMs, and 5,600 branches nationwide.

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Calculate Your Share Certificate Value

Use this Certificate of Deposit Calculator to help determine the potential interest growth and tax liability on your Certificate of Deposit.

CD Information

Assumptions

Financial Wellness

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