Certificates & Money Market

Purposeful growth for long-term dreams.

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Save smarter, not harder

Lock in guaranteed, competitive returns to make your money work harder for you.

Benefits built around you

Fixed & competitive rates

Our certificates offer more guarantee than other investments.

Purposeful terms

Choose a term that aligns with your future goals (from 90 days to 4 years).

Higher rate, longer term

The longer your commitment, the better your rate–a reward for your patience.

CD specials

Ask about our limited time CD Specials, like the 8- or 12-month promotional APY*, to maximize new money deposits.

Higher dividends

Earn more with a Money Market than you would with a standard savings account.

Easy access

For Money Markets, you can access your funds when you need without fixed term constraints.

Get today’s best rate

Certificate Specials
Term	Minimum Opening Deposit	APY*
*APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 11/18/24. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, 8 month and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not. IRS regulations require deposits remain in an IRA until the age of 59 1/2 or there is a substantial tax penalty imposed for early withdrawal. ALL DEPOSITS ARE FEDERALLY INSURED UP TO AT LEAST $250,000.00 BY THE NCUA.
Term 8 Month	Minimum Opening Deposit $1,000	APY* 4.25%
Term 12 Month	Minimum Opening Deposit $1,000	APY* 3.75%
Term 18 Month	Minimum Opening Deposit $1,000	APY* 3.00%

Certificates
Term	Minimum Opening Deposit	APY*
*APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties. As required by federal regulations, there is a substantial penalty for early withdrawals. 3 month, 6 month, and 12 month certificates, including IRAs, are subject to a loss of 30 days interest, whether earned or not. 18 month, 24 month, and 30 month certificates, including IRAs are subject to a loss of 90 days interest, whether earned or not.
Term 3 Month	Minimum Opening Deposit $1,000	APY* 0.15%
Term 6 Month	Minimum Opening Deposit $1,000	APY* 0.15%
Term 8 Month	Minimum Opening Deposit $1,000	APY* 0.25%
Term 12 Month	Minimum Opening Deposit $1,000	APY* 0.35%
Term 18 Month	Minimum Opening Deposit $1,000	APY* 0.40%
Term 24 Month	Minimum Opening Deposit $1,000	APY* 0.50%
Term 30 Month	Minimum Opening Deposit $1,000	APY* 0.60%
Term 36 Month	Minimum Opening Deposit $1,000	APY* 0.70%
Term 48 Month	Minimum Opening Deposit $1,000	APY* 0.75%

Investment Accounts
Account	Minimum Opening Deposit	APY
*APY = Annual Percentage Yield. Promotional Annual Percentage Yields (APY) are available for new money only. APY is accurate as of 2/8/23. Requires $1000 minimum balance to open. We reserve the right to end or modify these offers at any time. The dividend rate for your renewed term certificate will be determined at the maturity date. Early withdrawals are subject to penalties.
Account Mutual Asset Management Account (MAMA)	Minimum Opening Deposit $2,500	APY 0.40%
Account Premier Money Market Account (Tiered Rate Account)	Minimum Opening Deposit $2,500 – $149,999.99	APY 0.40%
Account Premier Money Market Account	Minimum Opening Deposit $150,000 – $249,999.99	APY 1.50%
Account Premier Money Market Account	Minimum Opening Deposit $250,000 & Greater	APY 2.50%

Disclosures

*APY = Annual Percentage Yield. 8 and 12 month CD’s with Promotional Annual Percentage Yield (APY) are available for new money only. APY is accurate as of 10/1/24. Requires $1000 minimum balance to open. We reserve the right to end or modify this offer at any time. At maturity the funds will roll into an CD of equal term length with the regular rate offered at that time. Early withdrawals are subject to penalties.