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Home > Personal > Save > Certificate of Deposits

Certificates of Deposit

Which one is right for you?

Certificate Builder - Share Certificate

  • $0/min. deposit
  • Terms from 6 months to 5 years.
  • Monthly deposits are required.
  • See deposit rates for current dividend rate.
  • Funds are auto transferred to a share certificate when the balance is $500.

Start Saving Now!

Standard Share Certificate - Preferred Product!

  • $500/min. deposit
  • Terms available from 6 months to 5 years.
  • Dividends paid monthly.
  • See deposit rates for current dividend rate.
  • Contact a member representative for further information.

Start Savings Now!

Jumbo Share Certificate

  • $35,000/min. deposit
  • Terms available from 6 months to 5 years.
  • Dividends paid monthly.
  • See deposit rates for current dividend rate.
  • Contact a member representative for further information.

Start Saving Now!

Rate Bump Share Certificate

  • $5,000/min. deposit
  • Terms available from 3 to 5 years.
  • Dividends paid monthly.
  • See deposit rates for current dividend rate.
  • Contact a member representative for further information.

Start Saving Now!


Rates

Standard Share Certificates
Effective Date: Tuesday, August 9th, 2022
TermDividend RateStandard *A.P.Y.1Jumbo *APY Rate1
6 Month 1.190% 1.20% 1.450%
9 Month 1.240% 1.25% 1.500%
12 Month 1.390% 1.40% 1.650%
18 Month 1.640% 1.65% 1.900%
24 Month 1.740% 1.75% 2.000%
36 Month 1.830% 1.85% 2.100%
48 Month 1.980% 2.00% 2.250%
60 Month 2.230% 2.25% 2.500%

1 Minimum Deposit to Open:

$500 for Standard CD
$35,000 for Jumbo CD

Share Certificate Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. *A.P.Y. = Annual Percentage Yield

Savings Calculator

Share Certificates with Rate Bump Option
Effective Date: Tuesday, August 9th, 2022
TermDividend RateStandard *A.P.Y.Jumbo Dividend Rate + 10bpJumbo *A.P.Y.
36 Month 1.590% 1.60% 1.830% 1.85%
48 Month 1.740% 1.75% 1.980% 2.00%
60 Month 1.980% 2.00% 2.230% 2.25%

Standard Rate: $5,000
Jumbo Rate: $35,000

Share Certificate Notes: A penalty may be charged for early withdrawal. See account disclosures for penalty calculation. Fees may reduce earnings. Yields are compounded monthly. *A.P.Y. = Annual Percentage Yield.
Rate Bump Option: Allows a one-time "bump" to the current rate during certificate term.

Savings Calculator