Standard Certificates
If you are saving money for use in the future, try one of our certificate accounts and watch your money grow over time:
- 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
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
- Bump Up Certificate – option to increase your rate once during the initial term of the certificate
- Prime Rate Certificate – variable rate based on Wall Street Journal Prime Rate minus 3.25%
A penalty may be imposed for early withdrawal from a certificate account and could reduce earnings. Please review our Certificate Disclosure for more information.