LIMITED-TIME CERTIFICATE SPECIAL:

One of the Highest 3-Month Rates in the Nation!

Earn 1.35% APY1

We're spicing things up! That's right. Even your certificate has a little pumpkin spice. Open a Spice Certificate for 3 months, with a minimum balance of $10,000 (maximum $500,000). This offer won't last long, open your certificate today!

1APY = Annual Percentage Yield. Fees may reduce earnings on the account. A penalty may be imposed for early withdrawal. Rate is current as of 9/30/2019 and subject to change at any time. The 3 Month Spice Certificate is not eligible for IRA, Coverdell, Add-on Certificates or dividend rate bonus. At renewal, certificate will auto-renew into current three month certificate unless otherwise designated. Maximum of one account per member. Minimum deposit per account is $10,000 with a maximum of $500,000. View the full disclosure here.
 

 

Three ways to open a Certificate:

Certificate Rates

  $1,000 to $99,999 $100,000 to $249,999 $250,000+
  Rate APY* Rate APY* Rate APY*
3 months 0.55 0.55 0.60 0.60 0.65 0.65
6 months 0.80 0.80 0.85 0.85 0.90 0.90
1 year 1.83 1.85 1.88 1.90 1.93 1.95
2 years 1.70 1.71 1.76 1.77 1.81 1.83
3 years 1.66 1.67 1.71 1.72 1.76 1.77
4 years  1.76 1.77 1.80 1.82 1.85 1.87
5 years 2.13 2.15 2.18 2.20 2.24 2.26

Add-On Certificates

Youth Add-On Certificate 1 Year Add-On Certificate 2 Year Add-On Certificate
Term: 1 year Term:  1 year Term:  2 year
Rate:  0.55% Rate: 0.60% Rate: 0.95%
APY*: 0.55% APY*: 0.60% APY*: 0.95%
Minimum deposit: $100.00 Minimum deposit:  $500.00 Minimum deposit:  $500.00

Rates current as of October 1, 2019, and are subject to change without notice. 

*APY=Annual Percentage Yield. Fees may reduce earnings on the account. Dividends are paid from earnings after transfers to reserves. A penalty may be imposed for early withdrawal. The Annual Percentage Yield for certificate terms less than 1 year is based on an assumption that dividends are posted and compounded at maturity and will remain in the account until maturity. The Annual Percentage Yield for certificate terms 1 year or greater is based on an assumption that dividends are posted and compounded monthly and will remain in the account until maturity. Any withdrawal will affect the APY calculation and result in reduced earnings.
 
Heritage Club bonus certificate rates are available on Savings Certificates and IRA Certificates. Add-on and promotional certificates are not eligible for dividend bonus rate. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. 
 
Click here to view the disclosure.

Certificate Types

Choose your term up to 5 years and deposit a minimum of $1,000. Highest rates will be paid on Certificates of $250,000 or more. 

With an Add-on Certificate, you select a 1- or 2-year term with a minimum opening deposit of $500 and get the flexibility to add funds throughout the Certificate term. 

 

Designed for our Youth Club Account members, minimum deposit is just $100 and you can deposit additional money during the 1-year term. 

Designed for Individual Retirement Accounts, our IRA Certificates offer the same great rates as our regular Certificates.