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Lock in a great rate with a term that fits your needs.

Our Term Certificates earn the most of all our Savings Accounts. The longer term and requirements means more dividends for you. If you’re looking for the most return on your investment, this is the account for you.

Choose from our two types of Term Certificates with Rates and Annual Percentage Yields (APY) listed below:

Term Certificate and Regular IRA Certificate Rates

Term Certificate Account         
minimum balanceDividend/Yield3 Mos.6 Mos.1 Year18 Mos.2 Year3 Year4 Year5 Year
$1,000 to $9,999Rate0.40%0.50%0.60%0.70%0.80%1.00%1.19%1.29%
$10,000 to $49,999Rate0.50%0.60%0.70%0.80%0.90%1.09%1.29%1.39%
$50,000 and upRate0.60%0.70%0.80%0.90%1.00%1.19%1.39%1.49%
Penalties will be imposed for early withdrawalsRates are current as of: June 19, 2020


  • A low minimum deposit of just $1,000 is required to open the account.
  • Flexible terms from three months to five years.
  • With our tiered rates, the more you save, the more you earn!
  • Federally insured to at least $250,000 by the NCUA.

Special Term Certificate Rates

Special Term Certificate  
Wealth Builder
with Payroll Deduction option
Minimum balanceDividend/Yield9 Mos.
to earn APY = $50Rate0.50%
(with Payroll Deduction)APY0.50%
to earn APY = $500Rate0.55%
Rates are current as of: June 19, 2020


  • Make additional deposits, without affecting your nine-month term!
  • Minimum initial deposit of just $500. With payroll deduction, your minimum initial deposit is only $50!
  • Pay yourself first by setting up regular automatic deposits through Direct Deposit or Payroll Deduction.
  • A great gift idea to help young people establish a savings plan.
  • Federally insured to at least $250,000 by the NCUA.
 Penalty for early withdrawal may reduce principal and earnings.  For IRAs, the IRS has specific rules governing the amount and frequency of your contributions.