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Term Share Certificate Accounts

Competitive rates. Predictable return.

Put your extra cash to work. A share certificate of deposit (CD) is one of the safest and most reliable saving investments you can make. 

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Higher Fixed Rates

Earn higher fixed-rate dividends on your investment.

 

Flexible Term Options

From 5 months to 5 years, pick the term that works best for you.

 

Guaranteed Security

Your deposit funds are insured up to $250,000.

Let's Start With The Basics  

Certificate of Deposits (CDs) are no-risk, time-bound savings options. Simply set aside a fixed amount of money for a set time and your funds will earn interest until the maturity (term) date. Once your CD matures, you can withdraw your initial deposit plus the earned interest. Yes, it really is that simple – just set it and forget it.

Certificate Specials

Looking to supercharge your savings? Take advantage of our Certificate Specials that offer unique terms and higher yields. But don't wait, these Specials are available only for a limited-time.

  • 5 , 10 and 13-month terms
  • Minimum deposit of $500
  • Upon maturity, funds will transfer to a 12-month certificate or a chosen share account*

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The standard savings tool that provides both short- and long-term options with guaranteed returns. Best for individuals who want to save for a purpose and choose the term to match. Remember, the longer the term length, the higher the interest rate – a win-win for your financial future!

  • Terms range from 6 to 60 months
  • Minimum deposit of $500
  • Upon maturity, funds will transfer to a 12-month certificate or a chosen share account*

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Simplify the road to retirement. CD IRAs are specifically designed for retirement savings and offers various tax benefits, while keeping your funds safe and secure. Best for individuals who prioritize earning more on a single deposit and don't need flexible access to savings.

  • Terms ranging from 6 to 60 months
  • Minimum deposit of $500

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*Please ensure to update your selection before the maturity date to prevent automatic renewal.

Share Certificate Terms & Rates

Whether you're saving for a short-term goal or planning for the future, we have term options that fit your financial needs.

CD Specials

Account Type Dividend Rate APY Compound Frequency Minimum Deposit
5 Month 3.928% 4.00% Monthly $500
10 Month 3.735% 3.80% Monthly $500
13 Month 3.735% 3.80% Monthly $500

APY=Annual Percentage Yield. Early withdrawal penalties may apply.
Rate and Yields are subject to change. APY assumes interest remains on deposit until maturity. Certificate Specials are not available for IRAs. Other restrictions may apply. 

Account Type Dividend Rate APY Compound Frequency Minimum Deposit
6 Month 1.982% 2.00% Monthly $500
12 Month 2.570% 2.60% Monthly $500
18 Month 2.862% 2.90% Monthly $500
24 Month 2.960% 3.00% Monthly $500
36 Month 2.960% 3.00% Monthly $500
48 Month 3.057% 3.10% Monthly $500
60 Month 3.203% 3.25% Monthly $500

APY=Annual Percentage Yield. Early withdrawal penalties may apply.
This rate sheet is incorporated into the Account Agreements and Disclosures. The rate and APY stated for Term Share Accounts is the rate that was offered within the most recent seven calendar days. Rates and yields are subject to change at any time. APY assumes interest remains on deposit until maturity.

Account Type Dividend Rate APY Compound Frequency Minimum Deposit
10 Month Special 3.735% 3.80% Monthly $500
6 Months IRA 2.080% 2.10% Monthly $500
12 Month IRA 2.667% 2.70% Monthly $500
18 Month IRA 2.960% 3.00% Monthly $500
24 Month IRA 3.057% 3.10% Monthly $500
36 Month IRA 3.057% 3.10% Monthly $500
48 Month IRA 3.154% 3.20% Monthly $500
60 Month IRA 3.300% 3.35% Monthly $500

Rates as of 05/17/2025. APY=Annual Percentage Yield. APY assumes interest remains on deposit until maturity. Fees may reduce earnings. The rate and APY stated is declared by the Board of Directors and is subject to change at any time.

Account Type Dividend Rate APY Compound Frequency Minimum Deposit
Share IRA .15% .15% Monthly $0

Rates as of 05/17/2025. APY=Annual Percentage Yield. Fees may reduce earnings. The rate and APY stated is declared by the Board of Directors and is subject to change at any time.

They were able to assist me with everything I needed to get my daughter's CD set up. We can’t wait to watch her account grow as she does. Thank you so much!
Mila

Save Your Way

Need more flexibility in your savings? We've got you covered with these additional account options.

Money Market Account

Higher dividends with flexible account access.

  • Higher rates than standard savings account
  • No mimimum investment period length
  • Overdraft transfer to Checking Account
Learn More

High-Yield Checking

Earn interest on your everday balance.

  • Earn 4.00% APY* each month
  • No Monthly Service Fee
  • No Minimum Balance
Learn More

Holiday Savings

Spread out those holiday expenses.

  • No minimum balance
  • No monthly service fee
  • Automatically transfers November 1
Learn More

Ready, Set, Save!

Need a simple savings boost? A quick and easy application is all it takes. 

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Membership eligibility is required. Account opening subject to approval.

*APY=Annual Percentage Yield. Early withdrawal penalties may apply. Rate and yields are subject to change. APY assumes interest remains on deposit until maturity. Early withdrawals may be subject to penalty.

Certificate Specials are not available for IRAs. Other restrictions may apply. The rate and APY stated for Term Share Accounts is the rate that was offered within the most recent seven calendar days. Term Share Certificates automatically renew at maturity. Certificate Specials funds are transferred to a 12 month share certificate at maturity. Early withdrawals are subject to penalty. 18 and 48-month Term Certificate applications not currently available online.