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Certificates

Increase your savings by earning higher interest rates.

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  1. Overview
  2. Rates

Overview

Our certificates range in terms from 3 months to 60 months – and earn a fixed rate of return. If you don’t need immediate access to the money, certificates are a great way to earn a higher yield than standard savings.

Certificates at a glance:

  • Higher, guaranteed rates of return
  • Peace of mind that you don’t get from a unpredictable stock market
  • Accounts are federally insured up to $250,000
  • Earn an even higher rate of return when you qualify for Rewards Rates
  • Keep your funds more available and earn rate of return than most savings accounts with a Certificate ladder.

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The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $500 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates.

The minimum balance required to open an IRA Certificate Account and obtain the above APY is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. IRA Certificate Accounts are not available in Puerto Rico.