Share Certificates
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
| Terms for account balance up to $99,999.99 | Dividend Rate | APY* |
|---|---|---|
| Six months | 0.797% | 0.80% |
| 1 year | 1.390% | 1.40% |
| 2 years | 1.587% | 1.60% |
| 3 years | 1.686% | 1.70% |
| 4 years | 1.735% | 1.75% |
| 5 years | 1.882% | 1.90% |
| Terms for account balance $100,000 plus | Dividend Rate | APY* |
|---|---|---|
| Six months | 0.846% | 0.85% |
| 1 year | 1.440% | 1.45% |
| 2 years | 1.637% | 1.65% |
| 3 years | 1.735% | 1.75% |
| 4 years | 1.784% | 1.80% |
| 5 years | 1.931% | 1.95% |
*APY stands for Annual Percentage Yield.
Dividend rates are in effect as of January 24, 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.
