Given some time, we can lift your savings to new heights.
Set your schedule
Choose a Share Certificate savings period that fits with your future financial plans.
Choose a starting point
It takes only $500 to open a Share Certificate, but you can go way beyond that.
Lock into a rate
The dividend rate is locked in for the term, allowing you to project your eventual earnings.
Feel secure
Deposits up to $250,000 are insured by the National Credit Union Administration.

Higher earnings are worth the wait.

A brilliant financial strategy is not required to grow your money. All it takes is a little patience. With our Share Certificates, you can choose to save for a few months, several years, or somewhere in between. When that time is up, you can walk away with a good deal more money than when you started.

  • Requires a minimum deposit of $500.
  • Choose Share Certificates ranging from three months to five years.
  • Our 36-month Step-Up option lets you move to a higher dividend rate should rates rise during your Certificate term.
  • In general, longer term certificates pay even higher rates.
  • Share Certificates earn higher yields than most standard savings accounts.
  • Earn even higher rates with Jumbo Share Certificates when you have over $50,000 more to invest.
Effective Date: July 28, 2023
Term Dividend Rate Annual Percentage Yield1
3 Months0.75%0.75%
6 Months1.49%1.50%
12 Months1.99%2.00%
18 Months2.03%2.05%
24 Months2.23%2.25%
36 Months2.48%2.50%
36 Months Step-Up2.38%2.40%
60 Months2.97%3.00%
Effective Date: July 28, 2023
Term Dividend Rate Annual Percentage Yield1
60 Month Premium ($500.00 Minimum Balance)3.06%3.10%
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To withdraw your Share Certificate before maturity, please visit a financial center location or fax your request to the Contact Center.

  • The penalty for a 3 month through 12 month certificate is 90 days' worth of dividends.

  • For terms of more than 12 months through 24 months, the penalty is 180 days' worth of dividends.

  • For terms greater than 24 months, the penalty is 360 days' worth of dividends.

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