Freedom Certificate

Finish strong with a 3-Year Freedom Certificate!

If you need a little extra incentive to save, the Freedom Certificate is just what you need. You’ll earn a bonus when you reach the end of the term, but if you need to withdraw early, you won’t pay a penalty—your opening deposit remains intact.

  • Start with a great initial rate
  • Earn a 2.5% bonus at maturity
  • Pay no penalty if you withdraw early (you'll just miss out on the bonus)*

Enter your deposit amount in the calculator below to see how much you could earn:


Years 1-3

1.75% APY

Maturity Bonus


Total Earnings

2.59% APY

How to get started

Stop by one of our branches. You can open a new certificate at any of our locations. We’ll be happy to help.

Use online banking. If you're already signed up for SELCO Online Banking, you can open your certificate with just a few clicks:

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

Interested in other certificate options?

Learn more about our standard certificates or check out our complete rate sheet.



*Minimum opening balance of $500 required. 1.75% and 2.59% are annual percentage yields current as of June 28, 2019 and subject to change. 2.59% APY includes 2.5% bonus based upon certificate balance at the end of the 3-year term. Funds can be withdrawn and account closed at any time without penalty, however bonus will be forfeited.