Certificates or term deposit accounts earn higher dividends than traditional savings accounts and have pre-determined maturity rates.

Deposit money into a certificate for a set period of time, generally between one month and five years. In return your savings will earn a higher dividend rate than with a traditional savings account.

Standard Certificate

  • Minimum deposit to earn dividends is $500
  • 1-month to 60-month terms available (longer maturities earn higher dividends)
  • Small penalty to withdraw money before maturity
  • NCUA insurance

Flex Certificate

  • Minimum to earn dividend is $50
  • Add money at any time
  • Penalty-free withdrawals the first three business days of each quarter
  • 12-month term
  • NCUA insurance
Term APY Dividend Rate Minimum Amount