A Share Certificate offers you the opportunity to earn interest and save money. Certificates have a higher yielding interest return rate than a savings account and avoid the risks of market-based investments with a secure certificate. Check out our Share Certificate rates

  • Open with a $500 minimum deposit
  • Share Certificates $100,000 and above earn an even higher dividend.
  • Flexibility in maturity terms.

Certificates are designed to help build wealth for the future.  Please note the following:

  •  After the account is opened, you may not make additions into the account until after the maturity date stated on the account.
  •  Early withdrawals are subject to dividend penalties based on the qualifying period, effective December 1, 2012.
    • Less than 12 months – 90 days dividends
    • 12 to less than 24 months – 180 days dividends
    • 24 to less than 48 months – 365 days dividends
    • 48 months and greater – 730 days dividends


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Terms for account balance up to $99,999.99 Dividend Rate APY*
Six months 1.242% 1.25%
1 year 1.735% 1.75%
2 years 2.225% 2.25%
3 years 2.713% 2.75%
4 years 2.956% 3.00%
5 years 3.198% 3.25%

Terms for account balance $100,000 plus Dividend Rate APY*
Six months 1.292% 1.30%
1 year 1.784% 1.80%
2 years 2.274% 2.30%
3 years 2.762% 2.80%
4 years 3.005% 3.05%
5 years 3.247% 3.30%


 

*APY stands for Annual Percentage Yield.

Dividend rates are in effect as of November 8, 2018, and subject to change without prior notice.

Minimum balance is $500 for Share Certificate and IRA.

Any Share Certificate term and balance tier may be used to establish an Individual Retirement Account Certificate.

IRA withdrawals before age 59 1/2 years of age are subject to certain IRS penalties.

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