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Certificates

Summary

Great Certificate Rates!

 

Certificate - 6 Months

Minimum Deposit Rate APY*
$1,000 0.697% 0.70%
$20,000 0.697% 0.70%
$50,000 0.697% 0.70%
$100,000 0.747% 0.75%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 12 Months

Minimum Deposit Rate APY*
$1,000 2.715% 2.75%
$20,000 2.715% 2.75%
$50,000 2.715% 2.75%
$100,000 2.764% 2.80%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 18 Months

Minimum Deposit Rate APY*
$1,000 4.169% 4.25%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Bump Certificate - 24 Months**

Minimum Deposit Rate APY*
$1,000 3.105% 3.15%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

**Member may bump the certificate rate 1 time over the life of the certificate.

Certificate - 24 Months

Minimum Deposit Rate APY*
$1,000 3.202% 3.25%
$20,000 3.202% 3.25%
$50,000 3.202% 3.25%
$100,000 3.251% 3.30%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 25 Months

Minimum Deposit Rate APY*
$1,000 4.409% 4.50%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Bump Certificate - 36 Months**

Minimum Deposit Rate APY*
$1,000 3.154% 3.20%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

**Member may bump the certificate rate 1 time over the life of the certificate.

Certificate - 36 Months

Minimum Deposit Rate APY*
$1,000 3.251% 3.30%
$20,000 3.251% 3.30%
$50,000 3.251% 3.30%
$100,000 3.299% 3.35%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

Certificate - 60 Months

Minimum Deposit Rate APY*
$1,000 3.299% 3.35%
$20,000 3.299% 3.35%
$50,000 3.299% 3.35%
$100,000 3.348% 3.40%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

 

Great IRA Certificate Rates!

 

IRA Certificate - 6 Months (Reg/Roth/Educ)

Minimum Deposit Rate APY*
$1,000 0.747% 0.75%
$20,000 0.747% 0.75%
$50,000 0.747% 0.75%
$100,000 0.797% 0.80%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 12 Months (Reg/Roth/Educ)

Minimum Deposit Rate APY*
$1,000 2.764% 2.80%
$20,000 2.764% 2.80%
$50,000 2.764% 2.80%
$100,000 2.813% 2.85%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 18 Months (Reg/Roth/Educ)

Minimum Deposit Rate APY*
$1,000 4.169% 4.25%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 24 Months (Reg/Roth/Educ)

Minimum Deposit Rate APY*
$1,000 3.251% 3.30%
$20,000 3.251% 3.30%
$50,000 3.251% 3.30%
$100,000 3.299% 3.35%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 25 Months (Reg/Roth/Educ)

Minimum Deposit Rate APY*
$1,000 4.409% 4.50%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 36 Months (Reg/Roth/Educ)

Minimum Deposit Rate APY*
$1,000 3.299% 3.35%
$20,000 3.299% 3.35%
$50,000 3.299% 3.35%
$100,000 3.348% 3.40%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

IRA Certificate - 60 Months (Reg/Roth/Educ)

Minimum Deposit Rate APY*
$1,000 3.348% 3.40%
$20,000 3.348% 3.40%
$50,000 3.348% 3.40%
$100,000 3.396% 3.45%

 

Early withdrawal penalty may apply to all certificates at 15 day x original term of dividends on amount withdrawn.

  • The longer the term, the higher the rates
  • Terms available from 6 months to 5 years
  • Provides a guaranteed high rate of return without the risk
  • No setup or maintenance fees
  • $1,000 minimum deposit to open
  • Penalty for early withdrawals***

*APY = Annual Percentage Yield. Dividend rate and APY accurate as of 01/04/2023. Limited time offer can be withdrawn at any time. Consumer accounts only. Minimum $1,000 to open. Penalties for early withdrawal of certificates may apply to all certificates at 15 days times original term of dividends on amount withdrawn. Rates subject to change without notice. Membership eligibility required. Existing ABNB certificates not eligible. Fees could reduce earnings. Federally insured by NCUA.

**Member may bump the certificate rate 1 time over the life of the certificate.

***Early withdrawals may result in penalties. For Certificates and IRA Certificates, the amount of early withdrawal penalty is 15 days dividends on the amount withdrawn for each month of the original term of the certificate.