Certificates of Deposit
How Our Certificates Work
Get locked into a dividend rate unless rates increase within 30 days of opening your certificate. Then, we’ll bump up your rate to match.
- $500 minimum opening balance.
- Quarterly dividends paid directly to your certificate’s balance (or savings or checking account by request).
- College savings certificates for youths under 18.
- IRA certificates also available.
Ready to Get Started?
Open an account online or stop by any branch, and we'll take care of you.
Certificates of Deposit Rates
Certificate Rate and Fee Schedule| Dividend Rate | Annual Percentage Yield | Minimum Balance | |
|---|---|---|---|
| 6 Months | 0.20 % | 0.20 % | $500 |
| One Year | 0.25 % | 0.25 % | $500 |
| 18 Months | 0.30 % | 0.30 % | $500 |
| Two Year | 0.35 % | 0.35 % | $500 |
| Three Year | 0.40 % | 0.40 % | $500 |
| Four Year | 0.55 % | 0.55 % | $500 |
| Five Year | 0.70 % | 0.70 % | $500 |
| Seven Year | 0.95 % | 0.95 % | $500 |
Maintenance and activity fees may apply could reduce earnings.
Resources
5 Misconceptions About CDs
How do certificates of deposit work? Think of CDs (aka, share certificates) as the "set it and forget it" approach to savings.
Time to Rethink Your Savings Strategy
Interest rates are slowly inching up, and the Federal Reserve has signaled that they will continue to rise incrementally. Now is an excellent time to begin rethinking your savings strategy.
Crypto May Be Hot, But These Investment Options Are Safer
More than 20 million Americans own some form of cryptocurrency. But what exactly is crypto? Learn how it works and some safer investment alternatives.
6 Steps to Prepare for Your (Financial) Future
Small steps and helpful tools—like the right savings account (they’re not all made equal)—can help you get ahead. Here are six small steps you can take.