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Incredible Certificate (CD) Rates

12 MONTH CERTIFICATE – 4.58% APY*

18 MONTH CERTIFICATE – 5.10% APY*

24 MONTH CERTIFICATE – 4.94% APY*

*Minimum $25,000

TermDividend RateAPY*
12 month4.50%4.58%
18 month5.00%5.10%
24 month4.85%4.94%
36 month23.00%3.00%

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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%

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Yes, a penalty fee is imposed if funds are withdrawn before the maturity date.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 2/23/2023 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.

2Dividends are compounded yearly.