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$500.004.254.3412
12 Month – $50,000 Minimum / Tier 2$50,000.004.304.3912
12 Month – $75,000 Minimum / Tier 3$75,000.004.354.4512
18 Month – $500 Minimum / Tier 1$500.004.254.3418
18 Month – $50,000 Minimum / Tier 2$50,000.004.304.3918
18 Month – $75,000 Minimum / Tier 3$75,000.004.354.4518
24 Month – $500 Minimum / Tier 1$500.004.254.3424
24 Month – $50,000 Minimum / Tier 2$50,000.004.304.3924
24 Month – $75,000 Minimum / Tier 3$75,000.004.354.4524
30 Month – $500 Minimum / Tier 1$500.004.004.0830
30 Month – $50,000 Minimum / Tier 2$50,000.004.054.1330
30 Month – $75,000 Minimum / Tier 3$75,000.004.104.1830
36 Month – $500 Minimum / Tier 1$500.004.004.0836
36 Month – $50,000 Minimum / Tier 2$50,000.004.054.1336
36 Month – $75,000 Minimum / Tier 3$75,000.004.104.1836
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$100.004.254.3412

* APY is Annual Percentage Yield and is current as of 5/23/2024.  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.