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.

Today's Top Rates

TermDividend RateAPY
1 year1.15%1.15%
18 months1.39%1.40%
3 year1.99%2.00%
5 year2.97%3.00%
  • $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.
  • 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 1, 2018, and are subject to change. $500 minimum balance required. Annual deposits not allowed and early withdrawal penalties may apply.