Certificates

Share Certificates

  • APY as high as 4.35%
  • Best rate compared to savings and money market accounts
  • Terms from 3 to 48 months

IRA Certificates

  • APY as high as 4.35%
  • Penalty-free withdrawals starting at age 59 1/2
  • Terms from 3 to 48 months

Business Certificates

  • 2.80% APY for 6-month term
  • 4.30% APY for 12-month term
  • Minimum balance of $25,000

APY = Annual Percentage Yield. Early withdrawal penalty may apply and is based on certificate term. Penalty equal to 90 days of dividends if 12 months or less; 180 days of dividends if longer than 12 months; or expected dividends earned over term on promotional certificates.