Certificates of Deposit (Share Certificate)
Earn higher dividends with deposits you put into our Share Certificates. Share Certificates offer a safe, guaranteed return for a specified period of time.
Certificate Account
- Minimum balances as low as $500
- Dividends are calculated daily and paid monthly
- Lock into a rate for a guaranteed return
| Certificate Rates | |||
| Effective Date: Saturday, December 20th, 2025 | |||
| Term | Minimum Balance | APY | Dividend Rate |
| 6 Months | $500 | 3.09% | 3.050% |
| 12 Months | $500 | 3.14% | 3.100% |
| 24 Months | $500 | 3.20% | 3.150% |
| 36 Months | $500 | 3.25% | 3.200% |
| 60 Months | $500 | 3.31% | 3.260% |
| *The 6 and 12 month CDs allow 1 additional deposit during the term of the CD. | |||
*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Certificate dividends are paid monthly. CD early withdrawal penalty: 6 - 12 month CDs = loss of 90 days dividends, 24 - 60 month CDs = loss of 180 days dividends.
Bump Certificate
Earn a great dividend rate with the added advantage of a one time rate increase if rates go up in the future.
- Minimum balance as low as $500
- dividends are calculated daily and paid monthly
- Lock into a rate for a guaranteed return
- Allows one rate increase over term of certificate
| Bump Option Certificates | |||
| Effective Date: Saturday, December 20th, 2025 | |||
| Term | Minimum Balance | APY | Dividend Rate |
| 24 Months | $500 | 2.79% | 2.750% |
| 36 Months | $500 | 2.91% | 2.875% |
| 60 Months | $500 | 2.99% | 2.950% |
| *Bump Option CDs allow a single bump to the current rate during the term of the CD. | |||
*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Certificate dividends are paid monthly. CD early withdrawal penalty: 6 - 12 month CDs = loss of 90 days dividends, 24 - 60 month CDs = loss of 180 days dividends.
Youth Certificates* (Ages 0 -17)
- Minimum balances as low as $100
- Dividends are calculated daily and paid monthly
- Lock into a rate for a guaranteed return
- The Youth CD allows up to 2 deposits or monthly payroll deductions. See rate sheet for details.
| Youth Certificates | |||
| Effective Date: Saturday, December 20th, 2025 | |||
| Term | Minimum Balance | APY | Dividend Rate |
| 12 Months | $100 | 3.20% | 3.150% |
| *The Youth CD allows up to 2 deposits or monthly payroll deductions. | |||
*APY = Annual Percentage Yield. APR = Annual Percentage Rate. Certificate dividends are paid monthly. CD early withdrawal penalty: 6 - 12 month CDs = loss of 90 days dividends, 24 - 60 month CDs = loss of 180 days dividends.
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