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  • Certificates

    A longer term, higher yield savings vehicle.

    When you're looking for a higher rate of return and don't mind "parking" your money for a while, consider a Certificate Account. Dividends are earned for each day that your money remains in the account, and are calculated using the Daily Balance Method.

    We offer several certificate options with great rates to help you achieve your financial goals** - including Raise My Rate certificates.***

    Raise My Rate

    Once during the term of your Certificate, you can actually raise the rate.***

    • Minimum opening balance of $1,000; $95,000 minimum for Jumbo
    • 18-month Certificate, 0.65% APY
    • 24-month Certificate, 0.65% APY

    Let's say you open an 18-month Certificate earning 0.65%. Rates go up after six months — you have the option of moving to a higher rate.

    Certificates and Jumbo Certificates
    Term Certificates
    Dividend Rate

    ($1,000 or more)

    Apply Now 
    Certificates
    Annual Percentage Yield

    ($1,000 or more)
    Effective Date
    ($1,000 or more)
    Jumbo Certificates
    Dividend Rate

    ($95,000 or more)

    Apply Now 
    Jumbo Certificates
    Annual Percentage Yield

    ($95,000 or more)
    Effective Date
    ($95,000 or more)
    14 - 29 days N/A N/A N/A 0.050% 0.05% 9/1/2020
    1 month N/A N/A N/A 0.100% 0.10% 9/1/2020
    2 months N/A N/A N/A 0.200% 0.20% 9/1/2020
    3 - 5 months 0.300% 0.30% 9/1/2020 0.300% 0.30% 9/1/2020
    6 - 8 months 0.350% 0.35% 2/1/2021 0.350% 0.35% 2/1/2021
    9 - 11 months 0.350% 0.35% 2/1/2021 0.350% 0.35% 2/1/2021
    12 - 17 months 0.599% 0.60% 2/1/2021 0.599% 0.60% 2/1/2021
    18 - 23 months 0.648% 0.65% 2/1/2021 0.648% 0.65% 2/1/2021
    18 month Raise My Rate*** 0.648% 0.65% 2/1/2021 0.648% 0.65% 2/1/2021
    24 - 35 months 0.648% 0.65% 2/1/2021 0.648% 0.65% 2/1/2021
    24 month Raise My Rate*** 0.648% 0.65% 2/1/2021 0.648% 0.65% 2/1/2021
    36 - 47 months 0.748% 0.75% 2/1/2021 0.748% 0.75% 2/1/2021
    48 - 59 months 0.798% 0.80% 2/1/2021 0.798% 0.80% 2/1/2021
    60 months 0.996% 1.00% 10/1/2020 0.996% 1.00% 10/1/2020
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