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.
|
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 November 2, 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 no maximum balance cap for this promotional certificate. After the account is opened, additional deposits are not permitted. Dividends accrue daily and are paid monthly and at maturity. Penalties for early withdrawal may apply and may reduce earnings. At maturity, if no action is taken, funds will automatically roll over into a standard, non-promotional 12-Month Term Savings Certificate at the then current rate. Members may choose a different option at maturity. 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 the Term Savings (Certificate) Account Agreement and Disclosure for full 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 7 Months (Special Promo) |
$1,000 Minimum 4.00%** ($2,500 Minimum) |
$25,000 Minimum 4.00%** ($2,500 Minimum) |
$100,000 Minimum 4.00%** ($2,500 Minimum) |
|
Term 6 Months |
$1,000 Minimum 3.55% APY* |
$25,000 Minimum 3.40% APY* |
$100,000 Minimum 3.25% APY* |
|
Term 1 Year |
$1,000 Minimum 3.80% APY* |
$25,000 Minimum 3.65% APY* |
$100,000 Minimum 3.50% APY* |
|
Term 3 Years |
$1,000 Minimum 3.65% APY* |
$25,000 Minimum 3.50% APY* |
$100,000 Minimum 3.35% APY* |
|
Term 5 Years |
$1,000 Minimum 3.70% APY* |
$25,000 Minimum 3.55% APY* |
$100,000 Minimum 3.40% 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 November 2, 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 no maximum balance cap for this promotional certificate. After the account is opened, additional deposits are not permitted. Dividends accrue daily and are paid monthly and at maturity. Penalties for early withdrawal may apply and may reduce earnings. At maturity, if no action is taken, funds will automatically roll over into a standard, non-promotional 12-Month Term Savings Certificate at the then current rate. Members may choose a different option at maturity. 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 the Term Savings (Certificate) Account Agreement and Disclosure for full 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 7 Months (Special Promo) |
$1,000 Minimum 4.00%** ($2,500 Minimum) |
$25,000 Minimum 4.00%** ($2,500 Minimum) |
$100,000 Minimum 4.00%** ($2,500 Minimum) |
|
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 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* |
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.