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.

Learn about Certificates (new window/tab)

CertificatesMinimum BalanceDividend RateAPY*Term
12 Month – $500 Minimum / Tier 1$500.005.005.1312
12 Month – $50,000 Minimum / Tier 2$50,000.005.055.1812
12 Month – $75,000 Minimum / Tier 3$75,000.005.105.2312
18 Month – $500 Minimum / Tier 1$500.004.804.9218
18 Month – $50,000 Minimum / Tier 2$50,000.004.854.9718
18 Month – $75,000 Minimum / Tier 3$75,000.004.905.0218
24 Month – $500 Minimum / Tier 1$500.004.504.6024
24 Month – $50,000 Minimum / Tier 2$50,000.004.554.6524
24 Month – $75,000 Minimum / Tier 3$75,000.004.604.7124
30 Month – $500 Minimum / Tier 1$500.003.903.9830
30 Month – $50,000 Minimum / Tier 2$50,000.003.954.0330
30 Month – $75,000 Minimum / Tier 3$75,000.004.004.0830
36 Month – $500 Minimum / Tier 1$500.003.903.9836
36 Month – $50,000 Minimum / Tier 2$50,000.003.954.0336
36 Month – $75,000 Minimum / Tier 3$75,000.004.004.0836
48 Month – $500 Minimum / Tier 1$500.003.903.9848
48 Month – $50,000 Minimum / Tier 2$50,000.003.954.0348
48 Month – $75,000 Minimum / Tier 3$75,000.004.004.0848
60 Month – $500 Minimum / Tier 1$500.003.903.9860
60 Month – $50,000 Minimum / Tier 2$50,000.003.954.0360
60 Month – $75,000 Minimum / Tier 3$75,000.004.004.0860
Junior$100.005.005.1312

* APY is Annual Percentage Yield and is current as of 2/22/2024.  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 any time without notice. Call us at 610.326.3705 for current information.