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Certificates

A little patience can pay off handsomely when you’re focused on a goal and time frame.

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Choose your term, get a great return.
  1. Overview
  2. Rates

Overview

Our certificates, often referred to as CDs, range in terms from 3 months to 60 months and reward you with 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.

You'll benefit from:

  • Higher, guaranteed rates of return.
  • An even higher rate of return when you qualify for Rewards Rates1.
  • Peace of mind you don’t get from riskier investments.
  • Accounts that are federally insured up to $250,000.

Looking for an IRA or Roth IRA? IRA certificates are also available in terms from 12 months to 60 months.2


Opening a new Certificate is easy. Log in to Online Banking, select Open an Account and click Open a Certificate.

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1The 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.

2The 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.