Certificates of Deposit (CDs)

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Good things come to those who wait. Certificates are like flowers that grow from a small seed until a special day. But it’s okay to peek if you want. You’ll watch the savings blossom.

Term Certificates

Certificates pay even higher dividends because you agree to let the funds remain in the account for a specified period of time. You can choose to stash your cash from as few as 3 months to as long as 60 months, plus a variety of terms in-between. Each certificate requires a minimum deposit of $500 (excluding our Learn to Earn and Build a Dream savings clubs). Dividends are earned and compounded monthly based on your average daily balance. 

Jumbo Certificate

For big savers we offer Jumbo Certificates available for initial deposits of $50,000 or more. The Jumbo rate is slightly higher than the current rate on each of our regular Certificate terms. You choose the maturity date: 3, 6, 12, 18, 24, 30, 36, 48 and 60 months. Dividends are earned and compounded monthly based on your average daily balance. 

Youth 12-Month Certificate

Here’s a sweet way to save more. This exclusive certificate is only available for members 18 and younger and only requires a minimum deposit of $25. After that you can make additional deposits throughout the term of the certificate. The certificate is available at the same rate as our 12-month share certificate with dividends earned and compounded monthly based on average daily balance. Early withdrawal penalties may apply.

Click here to view our Certificate rates.