Term Share Certificate
With a certificate account you are guaranteed an exact return on your investment as a result of fixed dividend rates. Choose from 6 month to 60 month terms with great rates.
A Certificate generally earns more than regular savings accounts because you deposit a specific amount for a pre-determined amount of time. Interest earned may be paid monthly, quarterly or at maturity. Penalties exist for early withdrawal.
Simply choose your term, deposit your funds, and sit back and relax as your money multiplies at a fixed rate. You don't have to wait for your term to end to cash in on your dividends. We pay them to you quarterly, so you can take that vacation early or reinvest your funds.
- Yields more than three times higher than regular savings rates
- Regular and jumbo certificates available
- Dividends paid quarterly
- Minimum of $1,000 to open regular; minimum of $75,000 to open jumbo
Open a new Share Certificate within our Online Banking platform:
On Mobile: Go to the “Accounts” tab click on "Add an account" and then click on “Open a new share”, select “Share Certificate”, and follow the prompts to open your account.
On Desktop: Go to the “Accounts” tab click on “Open a new share”, then select “Share Certificate”, and follow the prompts to open your account.
Note: Please be sure you have a minimum of $1,000 in your account to open the certificate or the option for "Share Certificate" will not show.
Protect Yourself from Overdrafts
Link Your Savings Account with Overdraft Protection
You can link your savings account to your checking account for added peace of mind. If your checking account is overdrawn, available funds from your savings will automatically transfer to cover the difference.
Set Up an Overdraft Protection Loan
For additional coverage, you may apply for our overdraft protection loan. This works like a line of credit—if your checking account balance goes negative, funds are advanced to cover the shortfall. As you repay the balance, your available credit is restored and ready for future use.
*APY = Annual Percentage Yield. Term Share Certificate term is 12 months. Minimum of $1000 to open regular term share certificate; minimum of $75,000 to open jumbo term share certificate. Dividends compounded quarterly. Penalty for early withdrawal. Account must be active and in good standing. Annual Percentage Yield is accurate as of 12/01/2025. Rates subject to change. Insured by NCUA.
