Share Certificates

Certificates

A Share Certificate is a risk-free investment option that helps you grow your money at a guaranteed, higher rate than a regular savings account. You commit to keeping your money on deposit for a set term; the longer the term you select, the higher the dividend rate you earn. Choose from a standard Certificate, our Smart Start Certificate or the Step Up Certificate.

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Certificate Rates

STANDARD CERTIFICATES

Effective Date: August 1, 2025

TERM	DIVIDEND RATE	APY*	MIN $
3 Month	2.98%	3.00%	$500.00
6 Month	3.47%	3.50%	$500.00
12 Month	3.47%	3.50%	$500.00
24 Month	2.98%	3.00%	$500.00
48 Month	3.22%	3.25%	$500.00
60 Month**	3.47%	3.50%	$500.00
**60M allows 1-time rate bump after 18 months

SPECIALTY CERTIFICATES

Effective Date: August 1, 2025

TERM	DIVIDEND RATE	APY*	MIN $
4 Month Special	3.96%	4.00%	$2,500 (New Money Only)
Smart Start - 15 Month	4.45%	4.50%	$100.00
15M Allows add-ons & withdrawals Min +/- $100 MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER
Step Up - 37 Month	3.22%	3.25%	$500.00
37M Allows add-ons ($1000+) & 1-time rate bump after 18 months
Youth 18 Month	4.70%	4.75%	$100
Must be under 18 to open. 18M allows add-ons & withdrawals (Min +/- $100 ) & a 1-time rate bump (must provide report card). MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER

*APY = Annual Percentage Yield. Early withdrawal penalties may reduce earnings on account.

Relationship Rate Bonus

Ask about our Relationship Rate Bonus, available on most standard Certificates. You can earn a bonus rate of up to 0.35% APY* based on length of membership, deposit balance and new money mix, and maintaining an active checking account.

Certificate Options

Share Certificates

With a Share Certificate, you can choose a term ranging from 3 months to 60 months.

$500 minimum deposit to open and earn dividends
Dividends are paid semi-annually (or upon maturity)
Burial certificate, Traditional or Roth and Coverdell IRA certificate options available
Our 60-month certificate allows you to “bump up” your rate one time during the term if rates increase (available after 18 months)

Smart Start Certificate

The Smart Start Certificate was designed to help you develop positive savings habits and begin to build your nest egg. Start small, with a minimum $100 opening balance, and continue to add deposits to your certificate as you have money available.

15-month term
Limit one per member, maximum $10,000
Premium dividend rate to help beginning savers make the most of their money
Make additional deposits throughout the term (min. $100 per add-on)
Ability to withdraw funds if necessary ($100 minimum, withdrawal fee applies)
Dividends paid semi-annually (or upon maturity)

Step-Up Certificate

The Step-Up Certificate allows you to take advantage of rising rates, and invest additional funds as available, while investing in a risk-free, higher-yield certificate account. When our rates change, you can increase your certificate rate to the higher rate being offered one time during the term of your certificate.

37-month term
500 minimum balance to open and earn dividends
Make additional deposits throughout the term (min. $1,000 per add-on)
After the first 18 months, there is one rate step-up allowed during the term
Stepped-up rate applies to remainder of certificate’s initial term
Dividends paid semi-annually (or upon maturity)

Youth Certificate

The Youth Certificate is designed to help young members begin to develop positive savings habits and learn the value of compounding interest through time. Start small, with a minimum $100 opening balance, and continue to add deposits to your certificate as you have money available.