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.
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.
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.
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.
Rates
Standard Share Certificates
Effective Date: Saturday, July 12th, 2025
| Term | Dividend Rate | Standard *A.P.Y.1 | Jumbo Dividend Rate | Jumbo *A.P.Y. |
|---|---|---|---|---|
| 6 Month | 3.400% | 3.45% | 3.640% | 3.70% |
| 9 Month | 3.400% | 3.45% | 3.640% | 3.70% |
| 12 Month | 3.400% | 3.45% | 3.640% | 3.70% |
| 18 Month | 3.540% | 3.60% | 3.780% | 3.85% |
| 24 Month | 3.540% | 3.60% | 3.780% | 3.85% |
| 36 Month | 3.400% | 3.45% | 3.640% | 3.70% |
| 48 Month | 3.400% | 3.45% | 3.640% | 3.70% |
| 60 Month | 3.400% | 3.45% | 3.640% | 3.70% |
1 Minimum Deposit to Open: $500 for Standard 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 | ||||
Share Certificates with Rate Bump Option
Effective Date: Saturday, July 12th, 2025
| Term | Dividend Rate | Standard *A.P.Y. | Jumbo Dividend Rate | Jumbo *A.P.Y. |
|---|---|---|---|---|
| 36 Month | 3.150% | 3.20% | 3.400% | 3.45% |
| 48 Month | 3.150% | 3.20% | 3.400% | 3.45% |
| 60 Month | 3.150% | 3.20% | 3.400% | 3.45% |
Standard Rate: $5,000 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. | ||||