Share Certificates
Share certificates are term accounts, which means you agree not to withdraw the money for a set period of time in exchange for a higher dividend rate. They require $500 to open and do not allow additions (except the Savin' Up Certificate, see below). Dividends compound monthly.



3 Month

Limit: $500 - $9,999

APY*: 0.10%



Limit: $10,000 - $24,999

APY*: 0.15%



Limit: $25,000 - Higher


APY*: 0.20%



6 Month

Limit: $500 - $9,999

APY*: 0.20%



Limit: $10,000 - $24,999


APY*: 0.25%



Limit: $25,000 - Higher


APY*: 0.30%



12 Month

Limit: $500 - $9,999

APY*: 1.50%



Limit: $10,000 - $24,999


APY*: 1.60%



Limit: $25,000 - Higher


APY*:1.70%



18 Month

Limit: $500 - $9,999

APY*:1.60%



Limit: $10,000 - $24,999


APY*:1.70%



Limit: $25,000 - Higher


APY*: 1.80%



24 Month

Limit: $500 - $9,999

APY*:2.00%



Limit: $10,000 - $24,999


APY*:2.25%



Limit: $25,000 - Higher


APY*:2.55%

 

30 Month

Limit: $500 - $9,999

APY*:2.10%



Limit: $10,000 - $24,999


APY*:2.35%



Limit: $25,000 - Higher


APY*: 2.60%

 

36 Month

Limit: $500 - $9,999

APY*:2.20%



Limit: $10,000 - $24,999


APY*: 2.40%



Limit: $25,000 - Higher


APY*: 2.60%



Savin' Up Certificate

Minimum Balance: $100

APY*: 0.30%



This is a 12 month term Share Certificate which is offered to youth members ages 0-18. It only requires $100 to open and allows additions of $100 or greater. Dividends compound monthly.





*Annual Percentage Yield. Rates subject to change without notice. Rates current as of July 17, 2018. Early withdrawal penalty.