Similar to CDs (certificates of deposit) at other financial institutions, savings certificates allow you to save a set amount of money for a specified term. Our Savings Certificates are limited to a single, one-time deposit with a term limit of 5 years, while our Saving Certificate Deposits allow ongoing contributions limited to either 6 or 12 months.Savings Certificate RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency6 month certificate**$500$5002.62%2.65%Quarterly6 month certificate$5000$50002.62%2.66%Monthly6 month certificate$50000$500002.82%2.86%Monthly6 month certificate$100000$1000003.02%3.07%Monthly12 month certificate***$500$5003.84%3.90%Quarterly12 month certificate$5000$50003.84%3.91%Monthly12 month certificate$50000$500004.04%4.12%Monthly12 month certificate$100000$1000004.24%4.33%Monthly24 Month Certificate$500$5003.65%3.70%Quarterly24 Month Certificate$5000$50003.65%3.71%Monthly24 Month Certificate$50000$500003.85%3.92%Monthly24 Month Certificate$100000$1000004.05%4.13%Monthly36 month certificate$500$5003.80%3.85%Quarterly36 month certificate$5000$50003.80%3.86%Monthly36 month certificate$50000$500004.00%4.07%Monthly36 month certificate$100000$1000004.20%4.28%Monthly48 month certificate$500$5003.89%3.95%Quarterly48 month certificate$5000$50003.89%3.96%Monthly48 month certificate$50000$500004.09%4.17%Monthly48 month certificate$100000$1000004.29%4.38%Monthly60 month certificate$500$5003.99%4.05%Quarterly60 month certificate$5000$50003.99%4.06%Monthly60 month certificate$50000$500004.19%4.27%Monthly60 month certificate$100000$1000004.39%4.48%MonthlySavings 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.Read More Save for a designated time or event.Open a Savings Certificate to earn returns on your savings for up to 5 years. Become a credit union member today to get started or log in to online banking to open an account. New Members: Open an account Members: Add an account Savings Resources See More Resources Savings FAQsFrequently asked questions about savings. How much will I need to save for a major purchase?This calculator computes how much money you will need to save monthly in order to reach a desired savings goal. How much could I save over time?Use this calculator to compute the total amount you would be able to save with monthly deposits.
Savings Certificate RatesProductMinimum Opening DepositMinimum to Earn APYRateAnnual Percentage Yield (APY)*Compounding Frequency6 month certificate**$500$5002.62%2.65%Quarterly6 month certificate$5000$50002.62%2.66%Monthly6 month certificate$50000$500002.82%2.86%Monthly6 month certificate$100000$1000003.02%3.07%Monthly12 month certificate***$500$5003.84%3.90%Quarterly12 month certificate$5000$50003.84%3.91%Monthly12 month certificate$50000$500004.04%4.12%Monthly12 month certificate$100000$1000004.24%4.33%Monthly24 Month Certificate$500$5003.65%3.70%Quarterly24 Month Certificate$5000$50003.65%3.71%Monthly24 Month Certificate$50000$500003.85%3.92%Monthly24 Month Certificate$100000$1000004.05%4.13%Monthly36 month certificate$500$5003.80%3.85%Quarterly36 month certificate$5000$50003.80%3.86%Monthly36 month certificate$50000$500004.00%4.07%Monthly36 month certificate$100000$1000004.20%4.28%Monthly48 month certificate$500$5003.89%3.95%Quarterly48 month certificate$5000$50003.89%3.96%Monthly48 month certificate$50000$500004.09%4.17%Monthly48 month certificate$100000$1000004.29%4.38%Monthly60 month certificate$500$5003.99%4.05%Quarterly60 month certificate$5000$50003.99%4.06%Monthly60 month certificate$50000$500004.19%4.27%Monthly60 month certificate$100000$1000004.39%4.48%MonthlySavings 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.Read More
How much will I need to save for a major purchase?This calculator computes how much money you will need to save monthly in order to reach a desired savings goal.
How much could I save over time?Use this calculator to compute the total amount you would be able to save with monthly deposits.