Most of our Certificate Accounts require a $500 minimum opening deposit and minimum balance, including accounts with terms from 12-60 months, as well as our Bump Up and Add On Certificates. Our shorter-term options (3, 6, and 9 months) require a $1,000 minimum deposit.

Your dividend rate and Annual Percentage Yield (APY) will generally stay the same throughout your term, rather than fluctuating like the stock market.

If you choose a Bump Up Certificate, your rate may increase on a set schedule. This can be a good option if rates are low when you open your account, and you expect them to rise over time.

Your dividend rate and Annual Percentage Yield (APY) will generally stay the same throughout your term, rather than fluctuating like the stock market.

If you choose a Bump Up Certificate, your rate may increase on a set schedule. This can be a good option if rates are low when you open your account, and you expect them to rise over time.

Not usually. A high-yield Certificate Account / high-yield CD usually pays higher rates than those offered by a traditional savings account because you agree to leave your funds untouched for a fixed term. If you open a Certificate and then withdraw your money before your maturity date, you’ll usually pay a penalty fee, which may be a flat charge or a percentage of your interest.

Our Certificate Secured Loans may allow you to avoid paying a penalty for early withdrawal under some circumstances.

A fixed-rate savings account or fixed-rate CD offers predictable returns, so you know exactly how much you’ll earn over time. Unlike market-based investments offered by other financial institutions, your rate won’t fluctuate, which helps protect your savings from volatility. This makes them suitable for low-risk short-term or medium-term deposits. Also, unlike market investments, funds deposited in fixed-rate savings accounts or Certificates are often guaranteed against loss by the federal government through the National Credit Union Administration.