Savings Certificates

Start your Long-Term Savings Goals Today

A share/saving certificate is a sound way to save for your long-term goals. You can choose the term that fits your investment needs. The rates reward you for locking into specific terms. Available Terms:

  • 6 Months
  • 12 Months
  • 18 Months
  • 24 Months
  • 36 Months
  • 48 Months
  • 60 Months
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Different terms provide different rates and have different qualifications

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Current Savings Certificate/IRA Certificate Rates

Certificates/IRA Rates
Term Dividend/
Interest Rate
APY Minimum Balance Dividends
Credited
6 Months 0.250% 0.25% $500-
$24,999.99
Monthly
0.250% 0.25% $25,000-
$99,999.99
Monthly
0.250% 0.25% $100,000+ Monthly
12 Months 0.349% 0.35% $500-
$24,999.99
Monthly
0.349% 0.35% $25,000-
$99,999.99
Monthly
0.349% 0.35% $100,000+ Monthly
18 Months 0.399% 0.40% $500-$24,999.99 Monthly
0.399% 0.40% $25,000-
$99,999.99
Monthly
0.399% 0.40% $100,000+ Monthly
24 Months 0.449% 0.45% $500-$24,999.99 Monthly
0.449% 0.45% $25,000-
$99,999.99
Monthly
0.449% 0.45% $100,000+ Monthly
36 Month 0.549% 0.55% $500-$24,999.99 Monthly
0.549% 0.55% $25,000-
$99,999.99
Monthly
0.549% 0.55% $100,000+ Monthly
48 Months 0.747% 0.75% $500-$24,999.99 Monthly
0.747% 0.75% $25,000-
$99,999.99
Monthly
0.747% 0.75% $100,000+ Monthly
60 Months 0.847% 0.85% $500-$24,999.99 Monthly
0.847% 0.85% $25,000-
$99,999.99
Monthly
0.847% 0.85% $100,000+ Monthly