Term Certificates
effortlessly.
Make your money work for you.
Make your money work harder to earn you more. A Term Savings Certificate is a safe way to earn a higher rate and a guaranteed return on your investment.
The benefits
Earn higher dividends on your savings with a Term Certificate
Reach Your Goals
Earn guaranteed returns on your savings to help achieve your long-term financial goals.
Choose Your Term
Terms range from six months to five years. Lock in a high rate of return for the term of your choice.
Competitive Rates
The dividend rates on our CDs are competitive and typically higher than traditional savings or money market accounts.
NCUA-Insured
Term Certificates are federally insured by NCUA up to $250,000, so know your funds are safe and protected.
Get the best rate.
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Term |
$1,000 Minimum |
$25,000 Minimum |
$100,000 Minimum |
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*APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice. ** APY = Annual Percentage Yield. Rate and term valid as of February 19, 2026. The 7‑Month Term Savings Certificate requires a minimum opening balance of $2,500 to earn the stated APY. There is no new‑money requirement, and there is no maximum balance cap for this promotional certificate. After the account is opened, additional deposits to the account are not permitted. Dividends accrue daily and are paid monthly and at maturity, and penalties for early withdrawal may apply and may reduce earnings. At maturity, members may select their preferred rollover option, including renewal into an available standard non‑promotional Term Savings Certificate at the then‑current rate. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate. See Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Dividends are paid monthly and at maturity. Early withdrawal penalties may apply. For complete agreement and disclosure, click here. Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency. Fees and penalties may reduce principal. |
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Term 6 Months |
$1,000 Minimum 2.25% APY* |
$25,000 Minimum 2.40% APY* |
$100,000 Minimum 2.55% APY* |
|
Term 7 Months (Special Promo) |
$1,000 Minimum 4.00 APY** |
$25,000 Minimum ($2,500 Minimum) |
$100,000 Minimum ($2,500 Minimum) |
|
Term 1 Year |
$1,000 Minimum 2.55% APY* |
$25,000 Minimum 2.70% APY* |
$100,000 Minimum 2.85% APY* |
|
Term 3 Years |
$1,000 Minimum 2.30% APY* |
$25,000 Minimum 2.30% APY* |
$100,000 Minimum 2.30% APY* |
|
Term 5 Years |
$1,000 Minimum 3.55% APY* |
$25,000 Minimum 3.70% APY* |
$100,000 Minimum 3.85% APY* |
|
Term |
$1,000 Minimum |
$25,000 Minimum |
$100,000 Minimum |
|---|---|---|---|
|
*APY = Annual Percentage Yield. APY is based on the assumption that dividends remain on deposit for the entire dividend period. Rates are variable and subject to change without notice. ** APY = Annual Percentage Yield. Rate and term valid as of February 19, 2026. The 7‑Month Term Savings Certificate requires a minimum opening balance of $2,500 to earn the stated APY. There is no new‑money requirement, and there is no maximum balance cap for this promotional certificate. After the account is opened, additional deposits to the account are not permitted. Dividends accrue daily and are paid monthly and at maturity, and penalties for early withdrawal may apply and may reduce earnings. At maturity, members may select their preferred rollover option, including renewal into an available standard non‑promotional Term Savings Certificate at the then‑current rate. Rate and offer are subject to change at any time without notice. Must be a member or qualify for membership to open a certificate. See Term Savings (Certificate) Account Agreement and Disclosure for terms and conditions. Rates and yields listed above apply only to the dates listed above and are subject to change without notice. All accounts are insured up to at least $250,000 by the NCUA, a U.S. Government Agency. Fees and penalties may reduce principal. |
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|
Term 6 Months |
$1,000 Minimum 2.45% APY* |
$25,000 Minimum 2.60% APY* |
$100,000 Minimum 2.75% APY* |
|
Term 7 Months (Special Promo) |
$1,000 Minimum 4.00 APY** |
$25,000 Minimum ($2,500 Minimum) |
$100,000 Minimum ($2,500 Minimum) |
|
Term 1 Year |
$1,000 Minimum 2.75% APY* |
$25,000 Minimum 2.90% APY* |
$100,000 Minimum 3.05% APY* |
|
Term 3 Years |
$1,000 Minimum 2.55% APY* |
$25,000 Minimum 2.70% APY* |
$100,000 Minimum 2.85% APY* |
|
Term 5 Years |
$1,000 Minimum 3.75% APY* |
$25,000 Minimum 3.90% APY* |
$100,000 Minimum 4.05% APY* |
FAQs
Similar to Savings and Money Market Accounts (MMAs), Term Certificates are federally insured by NCUA up to $250,000. Where they differ is in the accessibility of the funds.
Savings and MMAs allow you to deposit or withdraw funds at any time. Term Certificates are timed accounts, meaning the funds on deposit are not available for a specified length of time.1 The upside is it yields higher rate that’s fixed for the duration of the term.
One of the key benefits of Term Certificates is laddering. Before you head to the hardware store, let us explain. Laddering is when you divide your initial investment into equal parts and deposit each portion into a separate Term Certificate so that one matures every year. That way, you can take advantage of longer terms (and therefore higher interest rates) while still having access to some of your money each year.2
Follow the steps below to apply for a Term Savings Certificate Account.
Digital Banking :
- Login to your digital banking account.
- Navigate to “Open New Accounts”.
- Click “Open New Term Savings Certificate”.
- Click on “Apply Now”.
- Select “Term Savings Certificate (CD)” .
- Select the term you want for the Term Saving Certificate.
- Choose the funding account.
- Enter a deposit amount.
- Click “Finish”.
Mobile Banking:
- Login to your mobile app.
- Click on ”More”.
- Navigate to “Open New Accounts”.
- Select “Open New Savings”.
- Click on “Apply Now”.
- Click “Term Savings Certificate (CD)” .
- Select the term you want for the Term Saving Certificate.
- Choose the funding account.
- Enter a deposit amount .
- Click “Finish”.
Yes. There are different minimum deposit requirements for our Term Savings Certificate offerings. Please see our rates page for more info.
Yes – and no. Currently, terms range from six (6) months to sixty (60) months, but the duration you select is up to you.3
Short-term CDs are great if you think you’re going to need access to the money in a few months’ time, while longer terms tend to have better interest rates which is great if you don’t anticipate needing the funds anytime soon.
Not finding what you’re looking for? See all FAQs.
Open a Certificate today.
Disclosures
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Federally Insured by NCUA.
- 1
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After the account is opened, additional deposits to the Account are not permitted until the Maturity Date.
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Dividends accrue daily, and are paid both monthly and at maturity, but penalties for early withdrawal may apply.
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Early withdrawal penalties may apply. See the Term Savings (Certificate) Account Agreement And Disclosure for terms and conditions.