Certificates

You can save with higher yields and flexible terms through the credit union equivalent of certificates of deposit. Our Future Saver Certificate allows you to open a certificate with as little as $25 and make deposits to it until it matures.

Your deposits are federally insured up to $250,000 per member by the National Credit Union Administration. Additional coverage may apply based on ownership of account - details and restrictions.

We are now offering a 39-Month “Step-Up” Certificate

The Step-Up Certificate offers a fixed rate of 2.27% APY for a term of 39 months. Should dividend rates rise during the term of your Certificate, you’ll have a one-time option to “Step Up” to the higher rate (the prevailing 3-5 year certificate rate) for the remainder of the term.

To request the one-time increase, call us 800.966.8200 or visit a branch.

Table data for Step-Up Certificate
 08-20-2018
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
39 months $1,000 2.25% 2.27%
An early withdrawal penalty of 18 months of dividends will apply. Rates are subject to change after account opening.
Table data for Special Certificate
 08-20-2018
Minimum to Open Dividend Rate Annual Percentage Yield Alert Me
30 months $1,000 2.00% 2.02%
15 months $1,000 1.75% 1.76%
Early withdrawal penalties may apply.

Table data for Term Share Certificate
 08-20-2018
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
90 to 179 days $1,000 Under $25,000 .40% .40%
$25,000 and Over .55% .55%
180 to 364 days $1,000 Under $25,000 .55% .55%
$25,000 and Over .70% .70%
1 to 2 years $1,000 Under $25,000 1.50% 1.51%
$25,000 and Over 1.65% 1.66%
2 to 3 years $1,000 Under $25,000 1.70% 1.71%
$25,000 and Over 1.85% 1.86%
3 to 5 years $1,000 Under $25,000 1.90% 1.91%
$25,000 and Over 2.05% 2.07%
5 years $1,000 Under $25,000 2.50% 2.53%
$25,000 and Over 2.65% 2.68%
Early withdrawal penalties may apply.

Table data for Future Saver Certificate (variable rate)
 08-20-2018
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 to 5 years $25 Under $25,000 1.50% 1.51%
$25,000 and Over 1.50% 1.51%
Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for Future Saver Plus Certificate (variable rate)
 08-20-2018
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 year $25 Under $5,000 3.00 3.03
$25 $5,000 and Over 1.70 1.71
Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for Coverdell Education Savings
 08-20-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
Share Account $5 Under $25,000 .30% .30%
$25,000 and Over .30% .30%
Rates are subject to change after account opening.

Table data for Coverdell Education Savings (fixed rate)
 08-20-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
1 year certificate $500 Under $25,000 1.50% 1.51%
$25,000 and Over 1.65% 1.66%
Early withdrawal penalties may apply.

Table data for Coverdell Education Savings (variable rate)
 08-20-2018
Type Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
18 month certificate $5 Under $25,000 1.05% 1.05%
$25,000 and Over 1.20% 1.21%
Rates are subject to change after account opening. Early withdrawal penalties may apply.

Table data for Education Fund (variable rate)
 08-20-2018
Term Minimum to Open Balance Tier Dividend Rate Annual Percentage Yield Alert Me
8 years or until child is 18 $5 Under $25,000 2.40% 2.42%
$25,000 and Over 2.40% 2.42%
Rates are subject to change after account opening. Early withdrawal penalties may apply.