Savings
Term Share Certificates
Lock in a guaranteed rate and watch your savings grow. Our share certificates offer competitive fixed rates for terms ranging from 6 months to 5 years.
Why Choose a Share Certificate?
Minimum deposit of $1000 for standard CD. Early withdrawal penalties may apply. Dividends compounded and credited monthly.
Guaranteed Returns
Your rate is locked in for the entire term, so you know exactly what you will earn regardless of market changes.
Flexible Terms
Choose from a range of terms to match your savings goals, from short-term 6-month certificates to long-term 5-year options.
Higher Rates
Earn higher dividend rates than a regular savings account by committing your funds for a set period of time.
Term Share Certificate Rates
Minimum deposit of $1,000.
* Rates are accurate as of the effective date and are subject to change without notice. Certain withdrawal restrictions apply. Early withdrawal penalties may apply to share certificates. Dividends are compounded and credited monthly.
Limited-Time Promotion
12 Month CD Special
Minimum deposit of $1,000. Subject to end at any time without notice.
3.00%
APY 3.00%
12-month term
What you get with a certificate
A simple deal: you commit funds for a fixed term, we lock in a rate that beats standard savings. Here’s the rest of what comes with it.
Lock the rate. Let it work.
The day you open your certificate, your rate is set in stone — no matter what happens to the market between now and maturity. Standard CDs start at $1,000, and longer terms typically earn higher rates, so pick the window that lines up with the goal you’re saving for.
Pick your term
Six months for a near-future goal, five years for a serious savings horizon — and several windows in between. Match the term to your timeline.
Dividends compound monthly
Each month’s dividend gets added to your balance and starts earning alongside the principal. Compounding is quiet, but over a long term it adds up.
Federally insured
NCUA-insured up to $250,000. Your principal is never at risk — only your patience is on the line.
Choose what happens at maturity
When your term ends, your funds automatically roll into your savings account. From there they are yours to use however you like — or open a new certificate at the current rate to keep them growing.
Member-owned advantage
As a not-for-profit cooperative, our certificate rates pass earnings back to members — which is why they tend to beat what big banks pay for the same term.