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!

Certificates

  • $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

Rates Effective September 1, 2020

TermRateAnnual
Percentage
Yield
Minimum to Open/Obtain
Annual Percentage
Yield
6 Months0.30%0.30%$500.00
1 Year0.50%0.50%$500.00
15 Months0.60%0.61%$500.00
2 Years0.65%0.66%$500.00
3 Years0.75%0.75%$500.00
4 Years0.85%0.85%$500.00
5 Years0.90%0.90%$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 APY on all deposit accounts.

Jumbo Share Certificates

Rates Effective September 1, 2020

Term Rate Annual
Percentage
Yield
Minimum Balance to Open/Obtain
Annual Percentage
Yield
6 Month 0.40% 0.40% $100,000.00
1 Year 0.60% 0.60% $100,000.00
15 Month 0.70% 0.70% $100,000.00
2 Year 0.75% 0.75% $100,000.00
3 Year 0.85% 0.85% $100,000.00
4 Year 0.95% 0.95% $100,000.00
5 Year 1.00% 1.00% $100,000.00

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 APY on all deposit accounts.

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