Certificates

Earn more. Guaranteed.

Share certificates, similar to certificates of deposit (or CDs), are a secure way to make your money grow at a fixed rate over a set period of time. Terms range from as short as six months to as long as seven years. See exactly how much you can earn with our certificate calculator.

You'll find we have some of the best local rates around. And right now, our 5-year certificate is among the highest available nationwide.**

Today's Top Rates

TermDividend RateAPY
1 year1.99%2.00%
18 months2.23%2.25%
3 year2.67%2.70%
5 year2.77%2.80%
7 year3.26%3.30%
  • $500 minimum opening balance to get started.
  • Under 18? Open a college savings certificate with a $100 minimum opening balance.
  • Earnings are guaranteed (no matter how the market fares), but early withdrawal penalties may apply.
  • Quarterly dividends paid directly to your choice of savings account, checking account, or the certificate's balance.
  • Want more flexibility? Ask about our Bump and Boost and Freedom certificates.
  • IRA certificates also available. (See rates.)

How to get started

Already a member and signed up for online banking? Log in and open your certificate with just a few clicks:

  1. Select Apply/Open at the top of the page.
  2. Click Open New Share.
  3. Check New Certificate Account and hit Submit.
  4. Choose your preferred term from the drop-down menu and follow the remaining steps to begin.

You can also stop by any branch and we'd be happy to help set you up.




*Annual percentage yields (APYs) on certificates shown are current as of June 6, 2019, and are subject to change. $500 minimum balance required. Annual deposits not allowed and early withdrawal penalties may apply.
**Based on a review of 5-year certificate rates on Bankrate.com as of June 14, 2019.