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Limited-Time Certificate (CD) Specials

20-MONTH CERTIFICATE – 3.85% APY*

14-MONTH CERTIFICATE – 3.49% APY*

*Minimum $10,000 New Money

TermDividend RateAPY*Minimum DepositNew Money Min
20-month13.80%3.85%$10,000$10,000
14-month13.45%3.49%$10,000$10,000

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Certificates/IRA Certificates: $1,000 minimum

TermDividend RateAPY*
12 month1.25%1.26%
18 month1.25%1.26%
24 month1.75%1.76%
36 month21.75%1.75%

Certificates/IRA Certificates: $25,000 minimum

TermDividend RateAPY*
12 month1.75%1.75%
18 month2.00%2.02%
24 month2.50%2.53%
36 month22.50%2.50%

Common Questions

A Certificate also known as a Share Certificate is an account that allows you to store your money for a period of time with a guaranteed rate of return. The longer you keep the money in your account, the more you’ll earn. When it matures, you’ll get your money back without having to pay any early withdrawal penalties.

A Certificate has matured when it reaches the end of its term. At maturity, you can withdraw your funds from the account and access all the dividends you earned.

Yes, a penalty fee is imposed if funds are withdrawn before the maturity date.

Rates as of 12/01/2022 and are subject to change without notice.

*Annual Percentage Yield. APY is accurate as of the last dividend declaration date. The dividend rate and APY are set forth above. Dividends are compounded quarterly. Rates are subject to change daily. The dividend rate and APY are fixed and will be in effect for the term of the account. Penalty may be imposed for early withdrawal. Any fees imposed on this account may reduce the earnings on the account. The minimum balance listed is required to earn the stated APY.

1New money minimum of $10,000 per CD opened. Maximum deposit of $250,000. Not eligible for IRA’s, business accounts or financial institutions. 14-month certificate will roll into an 12-month regular certificate upon maturity. 20-month certificate will roll into a 18-month regular certificate upon maturity. Minimum deposit $10,000, maximum deposit $250,000 per membership. Specials are limited time only and availability is subject to change without notice.

2Dividends are compounded yearly.