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Earn 3.25% APY on certificates graphic

3.25% APY on 12-month certificates

Not only does our 12-month certificate offer our highest rate in years, it comes with a best-rate guarantee.

  • Lock in your savings for just 12 months and earn a guaranteed 3.25% APY (Annual Percentage Yield).
  • If our rates increase within 30 days, we’ll automatically raise your rate to match. We call it our best-rate guarantee.
  • Standard certificate terms and conditions apply (details below).
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How our certificates work

Our best-rate guarantee means if our rate rises within 30 days of account opening, we’ll automatically increase your rate to match. 

  • $500 minimum opening balance. 
  • Quarterly dividends paid directly to your certificate’s balance (or savings or checking account by request).
  • Terms range from 6 months to 7 years. Think of it as the "set it and forget it" way to earn. If you need to withdraw your money early, you can, but a penalty may apply.
  • College savings and IRA certificates also available. 

Certificate Rates Accurate as of, Tuesday, December 6, 2022

Certificate Rate and Fee Schedule
Dividend Rate Annual Percentage Yield Minimum Balance
6 Months Dividend Rate1.00 % APY1.00 % Minimum Opening Balance$500
One Year Dividend Rate3.21 % APY3.25 % Minimum Opening Balance$500
18 Months Dividend Rate3.21 % APY3.25 % Minimum Opening Balance$500
Two Year Dividend Rate2.72 % APY2.75 % Minimum Opening Balance$500
Three Year Dividend Rate2.38 % APY2.40 % Minimum Opening Balance$500
Four Year Dividend Rate2.43 % APY2.45 % Minimum Opening Balance$500
Five Year Dividend Rate2.58 % APY2.60 % Minimum Opening Balance$500
Seven Year Dividend Rate2.82 % APY2.85 % Minimum Opening Balance$500

Maintenance and activity fees may apply and could reduce earnings.

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Ready to get started?

Open an account online or stop by your local branch. 


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