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Term Certificates

Earn more

effortlessly.

Open now

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

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Reach Your Goals

Earn guaranteed returns on your savings to help achieve your long-term financial goals.

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Choose Your Term

Terms range from six months to five years. Lock in a high rate of return for the term of your choice.

Up Percentage

Competitive Rates

The dividend rates on our CDs are competitive and typically higher than traditional savings or money market accounts.

Shield

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.

Term Savings Certificates

Term

$1,000 Minimum

$25,000 Minimum

$100,000 Minimum

* Annual Percentage Yield: APY is based on the assumption that dividends remain on deposit for the entire dividend period.

IRA Certificates are also available for the rates and terms shown above. 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.

Term

6 Months

$1,000 Minimum

2.25% APY*

$25,000 Minimum

2.40% APY*

$100,000 Minimum

2.55% APY*

Term

1 Year

$1,000 Minimum

2.55% APY*

$25,000 Minimum

2.70%*

$100,000 Minimum

2.85% APY*

Term

2 Years

$1,000 Minimum

2.80% APY*

$25,000 Minimum

2.95% APY*

$100,000 Minimum

3.10% APY*

Term

3 Years

$1,000 Minimum

3.05% APY*

$25,000 Minimum

3.20% APY*

$100,000 Minimum

3.35% APY*

Term

4 Years

$1,000 Minimum

3.30% APY*

$25,000 Minimum

3.45% APY*

$100,000 Minimum

3.60% APY*

Term

5 Years

$1,000 Minimum

3.55% APY*

$25,000 Minimum

3.70% APY*

$100,000 Minimum

3.85% APY*
Retirement Certificates

Term

$1,000 Minimum

$25,000 Minimum

$100,000 Minimum

* Annual Percentage Yield: APY is based on the assumption that dividends remain on deposit for the entire dividend period.

IRA Certificates are also available for the rates and terms shown above. 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.

Term

6 Months

$1,000 Minimum

2.45% APY*

$25,000 Minimum

2.60% APY*

$100,000 Minimum

2.75% APY*

Term

1 Year

$1,000 Minimum

2.75% APY*

$25,000 Minimum

2.90% APY*

$100,000 Minimum

3.05% APY*

Term

2 Years

$1,000 Minimum

3.00% APY*

$25,000 Minimum

3.15% APY*

$100,000 Minimum

3.30% APY*

Term

3 Years

$1,000 Minimum

3.25% APY*

$25,000 Minimum

3.40% APY*

$100,000 Minimum

3.55% APY*

Term

4 Years

$1,000 Minimum

3.50% APY*

$25,000 Minimum

3.65% APY*

$100,000 Minimum

3.80% 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

For Members:

To open a Term Savings Certificate, follow the steps below:

  1. Login to Digital Banking
  2. Navigate to “Open New Accounts” and select “Open New Term Savings Certificate (CD)”
  3. Click “Apply Now” and then “Term Savings Certificate (CD)”
  4. Select one of the CDs from the list by clicking “Apply”
  5. Select a funding account from the drop-down list
  6. Enter an opening deposit amount
  7. Check the box on the bottom left if you agree to the Terms & Conditions
  8. Click “Finish”

For Non-Members:

To learn more or make an appointment, visit a branch or call us. Contact details can be found in the footer of our website.

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.

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Open a Certificate today.

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Disclosures

*
Federally Insured by NCUA.
1
After the account is opened, additional deposits to the Account are not permitted until the Maturity Date.
2
Dividends accrue daily, and are paid both monthly and at maturity, but penalties for early withdrawal may apply.
3
Early withdrawal penalties may apply. See the Term Savings (Certificate) Account Agreement And Disclosure for terms and conditions.