Certificates

A certificate provides a secure savings option with higher returns to help you reach your future goals.

Regular & IRA Certificates:

  • $500 Minimum Investment
  • Higher Rates for balances over $50,000 and $75,000
  • Dividends Paid Monthly
  • Add-On Option Available*
  • Fully Insured Funds up to $250,000 by the NCUA

Junior Certificates:

  • $100 Minimum Investment
  • 12 Month Term
  • Dividends Paid Monthly
  • Add- On Option Available*
  • Fully Insured Funds up to $250,000 by the NCUA

*You may add on to your certificates through an automatic transfer cycle.  This option must be set up within 30 days of opening the certificate.

CertificatesMinimum BalanceDividend RateAPY*Term
12 Month – $500 Minimum / Tier 1$500.000.5000.50012
12 Month – $50,000 Minimum / Tier 2$50,000.000.5500.55012
12 Month – $75,000 Minimum / Tier 3$75,000.000.6000.60012
18 Month – $500 Minimum / Tier 1$500.000.6000.60018
18 Month – $50,000 Minimum / Tier 2$50,000.000.6500.65018
18 Month – $75,000 Minimum / Tier 3$75,000.000.7000.70018
24 Month – $500 Minimum / Tier 1$500.000.8000.80024
24 Month – $50,000 Minimum / Tier 2$50,000.000.8500.85024
24 Month – $75,000 Minimum / Tier 3$75,000.000.9000.90024
30 Month – $500 Minimum / Tier 1$500.001.0001.01030
30 Month – $50,000 Minimum / Tier 2$50,000.001.0501.06030
30 Month – $75,000 Minimum / Tier 3$75,000.001.1001.11030
36 Month – $500 Minimum / Tier 1$500.001.1501.16036
36 Month – $50,000 Minimum / Tier 2$50,000.001.2001.21036
36 Month – $75,000 Minimum / Tier 3$75,000.001.2501.26036
48 Month – $500 Minimum / Tier 1$500.001.4001.41048
48 Month – $50,000 Minimum / Tier 2$50,000.001.4501.46048
48 Month – $75,000 Minimum / Tier 3$75,000.001.5001.51048
60 Month – $500 Minimum / Tier 1$500.001.7001.71060
60 Month – $50,000 Minimum / Tier 2$50,000.001.7501.77060
60 Month – $75,000 Minimum / Tier 3$75,000.001.8001.82060
Junior$100.000.5000.50012

* APY is Annual Percentage Yield and is current as of 6.1.17.  The Annual Percentage Yield is a percentage that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.  Fees could reduce the earnings on account.  All Credit Union programs, rates, terms and conditions are subject to change at anytime without notice.  Call us at 610.326.3705 for current information.