Certificates

Get paid to save.

Certificates are a great way to earn dividends on money you’re saving. All of our certificate options must be opened in person at one of our branches!

$500 minimum balance required
Fixed rate, varies with term
Dividends are based on a daily balance and paid monthly
90-day penalty of dividends for early withdrawal for terms under 2 years; 180-day penalty of dividends for early withdrawal for terms 2 years and above
3 months to 5 year terms available

Jumbo Certificates

$100,000 minimum balance required
See above for all other account features

Relationship Pricing

Relationship pricing for IRA Certificates is available for aggregate certificate account balances over $100,000. +0.10% not to exceed Jumbo Rates for same term.

Share Certificates

Dividend Rates Effective July 1, 2021

Term	Dividend Rate	Annual Percentage Yield	Minimum to Open/Obtain Annual Percentage Yield
6 Months	0.15%	0.15%	$500.00
1 Year	0.35%	0.35%	$500.00
15 Months	0.40%	0.40%	$500.00
2 Years	0.45%	0.45%	$500.00
3 Years	0.75%	0.75%	$500.00
4 Years	0.60%	0.60%	$500.00
5 Years	0.75%	0.75%	$500.00

Rates are subject to change without notice once the account has been opened. Fees may reduce earnings. Stated minimum opening balance is required to obtain Annual Percentage Yield on all deposit accounts.

Jumbo Share Certificates

Dividend Rates Effective July 1, 2021

Term	Dividend Rate	Annual Percentage Yield	Minimum Balance to Open/Obtain Annual Percentage Yield
6 Month	0.25%	0.25%	$100,000.00
1 Year	0.45%	0.45%	$100,000.00
15 Month	0.50%	0.50%	$100,000.00
2 Year	0.55%	0.55%	$100,000.00
3 Year	0.85%	0.85%	$100,000.00
4 Year	0.70%	0.70%	$100,000.00
5 Year	0.85%	0.85%	$100,000.00

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