Certificates
Our certificate accounts help you earn more on your money. Choose from a variety of terms and rates to fit your needs.
- Terms from 91 days to 60 months
- $1,000 minimum opening balance
- Dividends compound at maturity for 91-day term; all other terms compound monthly
- No fees to maintain your account
Basic Elements - Legal Text
Rate Table: Certificates & IRAs
| Dividend7 | APY8 | Compounding | Minimum Balance | Minimum Deposit | |
|---|---|---|---|---|---|
| 91 Days11 | 0.25% | 0.25% | At maturity | $1,000 | $0 |
| 6 Months11 | 0.45% | 0.45% | Monthly | $1,000 | $0 |
| 12 Months | 0.70% | 0.70% | Monthly | $1,000 | $0 |
| 18 Months | 0.70% | 0.70% | Monthly | $1,000 | $0 |
| 24 Months | 0.80% | 0.80% | Monthly | $1,000 | $0 |
| 36 Months | 0.95% | 0.95% | Monthly | $1,000 | $0 |
| 48 Months | 1.05% | 1.06% | Monthly | $1,000 | $0 |
| 60 Months | 1.19% | 1.20% | Monthly | $1,000 | $0 |
Rates shown effective as of November 1, 2020
7Dividends are calculated on the Daily Balance Method for all accounts. 8APY = Annual Percentage Yield, and is based on the assumption that requirements will be met. Your statement will show the actual Annual Percentage Yield Earned (APYE). This may be different from the APY if the conditions are different from the above assumptions. Early withdrawal is subject to penalty on all Certificates. For example, if there are any fees, they could reduce the earnings on the account. 11Terms not available on IRAs.