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Savings Certificates

Longer-terms savings options can help you plan for the steady growth of your money. You decide how long you want to put that money away.

Attractive dividends up to 2.56% APY1

  • 1 Rate effective as of 02/26/2020. A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. Annual percentage yield (APY) may change after account is opened.

$500

Get started with just $500

6-60

Choose how long to save with terms from 6 to 60 months2

 

  • 2 If you desire an add-on feature for 6 month or 12 month certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates.

Savings Certificates–which are similar to CDs (certificates of deposit) at other financial institutions–allow you to save a set amount of money for a specified term. You can pick the term, which can be for any amount of time between 6 months and 5 years.

Product Minimum Opening Deposit Minimum to Earn APY Rate Annual Percentage Yield (APY)* Compounding Frequency
6 month certificate** $500 $500 1.20% 1.20% Quarterly
6 month certificate $5000 $5000 1.20% 1.20% Monthly
6 month certificate $50000 $50000 1.35% 1.35% Monthly
6 month certificate $100000 $100000 1.50% 1.51% Monthly
12 month certificate*** $500 $500 1.74% 1.75% Quarterly
12 month certificate $5000 $5000 1.74% 1.75% Monthly
12 month certificate $50000 $50000 1.89% 1.91% Monthly
12 month certificate $100000 $100000 2.04% 2.06% Monthly
24 Month Certificate $500 $500 1.94% 1.95% Quarterly
24 Month Certificate $5000 $5000 1.94% 1.95% Monthly
24 Month Certificate $50000 $50000 2.09% 2.11% Monthly
24 Month Certificate $100000 $100000 2.24% 2.26% Monthly
36 month certificate $500 $500 2.08% 2.10% Quarterly
36 month certificate $5000 $5000 2.08% 2.10% Monthly
36 month certificate $50000 $50000 2.23% 2.26% Monthly
36 month certificate $100000 $100000 2.38% 2.41% Monthly
48 month certificate $500 $500 2.18% 2.20% Quarterly
48 month certificate $5000 $5000 2.18% 2.20% Monthly
48 month certificate $50000 $50000 2.33% 2.36% Monthly
48 month certificate $100000 $100000 2.48% 2.51% Monthly
60 month certificate $500 $500 2.23% 2.25% Quarterly
60 month certificate $5000 $5000 2.23% 2.25% Monthly
60 month certificate $50000 $50000 2.38% 2.41% Monthly
60 month certificate $100000 $100000 2.53% 2.56% Monthly

Savings Certificate Rates Footnotes

*

A penalty may be imposed for early withdrawals. Fees may reduce earnings on your account. For more information, contact us.

**

If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates.

***

If you desire an add-on feature for certificates of $50,000 or more, to make additional deposits to the certificate during its term, please contact us for rates.