Share Certificates

Rates Calculator

Why gamble when it comes to your money? Share Certificates provide a sure-fire way to save with fixed rates for a set term length. Some certificates allow you to step up your rate once during your term if market values rise. Start saving today!

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  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Set aside for future savings goals
  • A wide range of terms available (from 3 months to 5 years)
  • No setup fees
  • Early withdrawals subject to penalty*
  • Minimum opening deposit:
    • $500 under age 18
    • $1,000 age 18 and over
  • IRA Share Certificates available

Step-Up Certificate*

  • Step up your rate one time over the term
  • Helpful should the market value rise over the course of your term
  • 24-month term
  • $5,000 minimum deposit to open

Teach your children the virtue of patience with our youth share certificate! They'll earn competitive dividends throughout a 2-year term.

  • Available to members 17 and younger
  • 24-month term available
  • Fixed dividend rate, higher than regular savings
  • Watch your savings grow beyond your initial deposit
  • Add funds of $25 or more at any time over the course of your 24-month term
  • Early withdrawals subject to penalty*
  • $100 minimum deposit to open
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View our Truth in Savings Disclosure (Share Certificates).

View our Fee Schedule.

*The amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows:

  • Terms of 6 months or less – 90 days' worth of dividends
  • Terms of longer than 6 months – 180 days' worth of dividends