Certificates

Earn higher dividends with zero risk.

Whether you’re saving for retirement, education expenses or a future purchase, a Share Certificate offers you higher dividends than a regular savings account, at a fixed rate for the term you select. Certificates are a guaranteed and insured investment alternative to higher risk investments in the stock market. Your funds are insured up to $250,000 through NCUA.

Select Your Term & Rate

Effective January 1, 2017
TermMin BalanceDividend RateAPY*
*APY=Annual Percentage Yield. Six-month Share Certificate dividends are compounded monthly; 12- to 48-month Share Certificates are compounded quarterly.
6-month$5000.15%0.150%
12-month$5000.25%0.250%
18-month$5000.30%0.300%
24-month$5000.40%0.401%
48-month$5000.60%0.601%
Share Certificate & IRA Truth in Savings Disclosure

Certificate Fees

There is a substantial penalty for early withdrawal: 90 days of dividends for 6 and 12 month Certificates, and 180 days of dividends for 18, 24, and 48 month Certificates.

Effective February 1, 2017
Fee TypeAmount
Early Withdrawal for a maturity of 1 year or less90 Days Interest
Early Withdrawal for a Maturity of Greater than 1 year180 Days Interest