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Certificates
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Put your savings to work.
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Certificates
Save more in the short-term with a Certificate
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Earn more on money that you don’t need immediate access to with our secure, high-rate Certificate. You can open a Certificate with as little as $500 and park your money to lock in your rate for a fixed period of time.
HIGHER ANNUAL YIELD
Certificates offer a higher APY than regular savings for money you won’t need right away.
FIXED RATE
Because we are a financial cooperative we can pass along profit to our members in the form of higher savings rates.
DIVIDEND WITHDRAWAL
Dividends on our short-term Certificates are compounded and credited monthly and can be withdrawn without penalty.
PEACE OF MIND
A Certificate is federally insured, up to $250,000, and is one of the safest, most secure investments you can make.
Certificate Types at a Glance
Future Saver
UTMA
Term Share
Coverdell ESA
Future Saver
UTMA
Term Share
Coverdell ESA
Certificate Options
Future Saver, Future Saver Plus
Uniform Transfer to Minor Act
Fixed Rate Certificates
Coverdell Education Savings: 18-Month
Future Saver
UTMA
Term Share
Coverdell ESA
Minimum to Open
$25
$5
$500
$5
Future Saver
UTMA
Term Share
Coverdell ESA
Add-on Deposit Option
Yes
Yes
No
Yes
Future Saver
UTMA
Term Share
Coverdell ESA
Rate Type
Variable
Variable
Fixed
Variable
Future Saver
UTMA
Term Share
Coverdell ESA
Distribution Tax Benefits for Education
No
No
No
Yes
Certificate Rates
| Term | Minimum to Earn APY 1 | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|---|
| 6-month | $500 | 4.55% | 4.65% | |
| 1 Year | $500 | 4.17% | 4.25% | |
| 2 Year | $500 | 2.25% | 2.27% | |
| 3 Year | $500 | 2.25% | 2.27% | |
| 4 Year | $500 | 2.25% | 2.27% | |
| 5 Year | $500 | 2.25% | 2.27% | |
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| Type | Minimum to Earn APY 2 | Balance Tier | Dividend Rate | APY | Alert Me |
|---|---|---|---|---|---|
| 18-month | $5 | $5.00 - $24,999.99 | 4.00% | 4.07% | |
| $25,000.00 and Over | 4.15% | 4.23% | |||
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| Term | Minimum to Earn APY 2 | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|---|
| 12 to 60 months | $25 | 1.98% | 2.00% | |
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| Term | Minimum to Open | Balance Tier | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|---|---|
| 12-months | $25 | Up to $5,000.00 | 3.93% | 4.00% | |
| 12-months | $25 | $5,000.01 and Over | 1.98% | 4.00% to 2.01% | |
| Future Saver Plus Certificates are tiered rate accounts. For these accounts, the specified dividend rate for a tier will apply only to the portion of the account balance within that tier. The APYs, which vary depending on the balance in the account, are shown for each tier. | |||||
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| Term | Minimum to Earn APY 3 | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|---|
| 12 months | $5 | 2.15% | 2.17% | |
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| Type | Minimum to Earn APY 1 | Dividend Rate | Annual Percentage Yield | Alert Me |
|---|---|---|---|---|
| 1 Year | $500 | 4.17% | 4.25% | |
| 2 Year | $500 | 2.25% | 2.27% | |
| 3 Year | $500 | 2.25% | 2.27% | |
| 4 Year | $500 | 2.25% | 2.27% | |
| 5 Year | $500 | 2.25% | 2.27% | |
| Rates are subject to change after account opening. Fees could reduce earnings. | ||||
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