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. Our Standard and Flex CDs come with a bump option. At the time of CD opening, members can opt for 0.15% lower than the stated rate. Should the Credit Union re-price the CD with the same term to a higher rate, the member has a one-time option to bump-up to the new CD rate for the remainder of the term. CD bumps are a great benefit for members keeping an eye on raising rates!

Standard Certificate

  • Minimum deposit to earn dividends is $500
  • 1-month to 60-month terms available (longer maturities earn higher dividends)
  • Bump option
  • 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
  • Bump option
  • NCUA insurance

Health Savings Account Certificates

  • Minimum $500.00 balance to earn dividends
  • Earn higher interest rates on a lump-sum contribution

President’s Club members earn an additional 0.25% on CDs.

Term APY Dividend Rate Minimum Amount

* 7-Month CD Guarantee Special Offer at 5.30% Annual Percentage Rate (APY) current as of 10-12-2023. The 7-Month CD Guarantee Special Offer guarantees that the rate will not be any lower than 5.30% APY should the CD holder opt to renew for another 7-month term. CD holder will have the option to deposit additional funds to the CD at maturity/renewal of up to $100,000. Beginning on the maturity date, there is a 10-day grace period in which you are able to withdraw funds without a penalty. If no action is taken, the CD automatically renews to the same term at whatever the rate is posted on that date. After the 14-month period, the CD will roll over to a six-month term. The guaranteed offer is only valid for the new 7-Month CD Guarantee Special Offer, and includes CD IRAs. Minimum opening deposit of $500.