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Standard Certificates

If you are saving money for use in the future, try on of our certificate accounts and watch your money grow over time. Here are a few details about this savings option:

  • Minimum deposit $500 for most certificates
  • Terms available from 3 to 60 months
  • Rate locked for entire term (unless otherwise noted)
  • APY (Annual Percentage Yield) applies to compounded dividends by adding to the certificate
  • Higher rates on minimum investments of $10,000, $50,000 and $75,000
  • Monthly dividend options:
    • Added back to the certificate
    • Paid to you by check
    • Posted to your savings or checking
  • Automatic Renewal
  • Maturity notices mailed approximately 30 days in advance
  • Early withdrawal penalties will apply if the account is closed prematurely
  • Certificate secured loans available – avoids penalty for early withdrawal

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In addition to our Standard Certificates, here are a few more unique certificate options:

  • Add-On Certificate – make one additional deposit during the term of the certificate
  • Prime Rate Certificate – rate indexed to Wall Street Journal Prime Rate minus a fixed margin
  • Bump Up Certificate – option to increase your rate once during the initial term of the certificate

A penalty may be imposed for early withdrawal from a certificate account and could reduce earnings. Please review our Certificate Disclosure for more information.