Opportunity is Knocking

It's time to invest in your future. When opportunity knocks, open the door to earn up to 3.25% APY* for 36 months. 

Open an Opportunity Certificate today!

*APY = Annual Percentage Yield. Fees may reduce earnings on the account. A penalty may be imposed for early withdrawal. This is a variable rate certificate. Initial rate is current as of 04/26/2019 and subject to change quarterly based on Wall Street Journal Prime minus 2.25%. The APY will have a floor of 2.78%. The 3 year variable rate certificate is not eligible for IRA, ESA, Roth, SEP, Add-on Certificates or dividend rate bonus. At renewal, certificate will auto-renew into current 1 year fixed rate certificate unless otherwise designated. Minimum deposit of $1,000 and a maximum deposit of $100,000 per member account. Click here to view the disclosure.

Creating a Path Towards Saving More Money

Our Certificates pay competitive dividends, and can be opened with as little as $1,000 and have terms from 90 days to five (5) years. We also offer Jumbo Certificates, for deposits of $250,000 or more, and Add-on Certificates, where you can add funds to the certificate throughout the term.

Open your certificates today:

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 2.28 2.30 2.37 2.40 2.47 2.50
2 years 1.80 1.81 1.85 1.87 1.90 1.92
3 years 1.85 1.87 1.90 1.92 1.95 1.97
4 years  1.95 1.97 2.00 2.02 2.05 2.07
5 years 2.75 2.78 2.80 2.84 2.85 2.89

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 April 15, 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

Savings Certificates

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. 

Add-on Certificates

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. 

 

Youth Add-on Certificates

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

IRA Certificates

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