Share Certificates
Deposit and watch it grow.
Guaranteed Growth at a Competitive, Fixed Rate
A secure pool of growing funds you can always rely on.
Why Open a Certificate With Us?
High, Fixed Rate
Enjoy predictable growth at a higher rate than regular savings.
Term Flexibility
Choose from a wide range of terms—from 6 months to 4 years. Get higher rates by selecting a longer term.
No Fees
You don’t have to pay any maintenance fees. Open, deposit and watch it grow.
Questions About Our Savings Accounts? Contact Us
Please use the convenient form below for general questions or comments. We promise to get back to you within 24 business hours. Note: Do not send sensitive information through our contact form or via email, since these modes of communication are not entirely secure.
Share Certificates Rates
Check out all our rates.
|
Term |
Minimum Required Opening Investment |
Rate |
APY |
|---|---|---|---|
|
APY stands for Annual Percentage Yield. No minimum balance is required to earn stated APY. Rates and terms are accurate as of May 1, 2025, and are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available. *FYI share certificate is limited to account holders ages 13 – 17. This share has a minimum opening deposit of $100 and a maximum deposit amount of $1,000. Penalty for early withdrawal – If you withdraw funds from a share certificate prior to the maturity date, the early withdrawal penalty will be: less than one year = 91 days’ dividends; 1-3 years = 182 days’ dividends; and greater than 3 years = 365 days’ dividends. The time frame is based on the original maturity date at time of purchase. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. Rates effective 05/01/2025. |
|||
|
Term 6 month |
Minimum Required Opening Investment $1000 |
Rate 3.445% |
APY 3.50% |
|
Term 7 month |
Minimum Required Opening Investment $1000 |
Rate 3.687% |
APY 3.75% |
|
Term 10 month FYI Share Certificate* |
Minimum Required Opening Investment $100 |
Rate 5.841% |
APY 6.00% |
|
Term 12 month |
Minimum Required Opening Investment $1000 |
Rate 3.203% |
APY 3.25% |
|
Term 18 month |
Minimum Required Opening Investment $1000 |
Rate 3.203% |
APY 3.25% |
|
Term 24 month |
Minimum Required Opening Investment $1000 |
Rate 2.960% |
APY 3.00% |
|
Term 30 month |
Minimum Required Opening Investment $1000 |
Rate 2.960% |
APY 3.00% |
|
Term 36 month |
Minimum Required Opening Investment $1000 |
Rate 2.716% |
APY 2.75% |
|
Term 48 month |
Minimum Required Opening Investment $1000 |
Rate 2.472% |
APY 2.50% |
Start Your Financial Journey Here
Open a CertificateFAQs
If you withdraw funds from a share certificate prior to the maturity date, the early withdrawal penalty will be:
- less than one year = 91 days’ dividends
- 1-3 years = 182 days’ dividends
- greater than 3 years = 365 days’ dividends.
The time frame is based on the original maturity date at the time of purchase. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.
Please bring your photo ID with you to open a share certificate at one of our branches.
More questions? See our full list of FAQs or contact us.