Great Rates on Certificates Available for a Limited Time

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Saving with a Certificate

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.

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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 higher rates on terms of 1-year to 5-years.



Share Certificates

 

$1,000 TO $99,000

$100,000 TO $249,999

$250,000+

  Rate APY* Rate APY* Rate APY*
3 months 0.05 0.05 0.10 0.10 0.10 0.10
6 months 0.11 0.11 0.16 0.16 0.16 0.16
10 months  3.93 4.00 3.93 4.00 3.93 4.00
1 year 3.93 4.00 3.93 4.00 3.93 4.00
18 months 4.18 4.26 4.18 4.26 4.18 4.26
2 years 4.31 4.40 4.31 4.40 4.31 4.40
3 years 3.83 3.90 3.83 3.90 3.83 3.90
4 years 3.74 3.80 3.74 3.80 3.74 3.80
5 years 3.93 4.00 3.93 4.00 3.93 4.00

IRA Certificates**

 

$1,000 TO $99,000

$100,000 TO $249,999

$250,000+

  Rate APY* Rate APY* Rate APY*
3 months 0.05 0.05 0.10 0.10 0.10 0.10
6 months 0.11 0.11 0.16 0.16 0.16 0.16
10 months 3.93 4.00 3.93 4.00 3.93 4.00
1 year 4.55 4.65 4.55 4.65 4.55 4.65
18 months 4.18 4.26 4.18 4.26 4.18 4.26
2 years 4.60 4.70 4.60 4.70 4.60 4.70
3 years 4.65 4.75 4.65 4.75 4.65 4.75
4 years 4.70 4.80 4.70 4.80 4.70 4.80
5 years 4.75 4.85 4.75 4.85 4.75 4.85

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: 0.10% Rate: 0.12% Rate: 0.15%
APY*: 0.10% APY*: 0.12% APY*: 0.15%
Minimum deposit: $100.00 Minimum deposit:  $500.00 Minimum deposit:  $500.00

Rates current as of 5/08/23 and are subject to change without notice.

*APY=Annual Percentage Yield. The Annual Percentage Yield is based on dividends posted and compounded monthly and will remain in the account until maturity. Any withdrawal will affect the APY calculation and result in reduced earnings. 

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.

**Individual Retirement Accounts (IRA) Certificates are for consumer accounts only. 

Click here to view the disclosure.