Certificate Rates
Share Certificate Rates
| Rates Effective: 01/01/2021 *Annual Percentage Yield. Rates and terms are subject to change without notice. Fees could reduce the earnings on these accounts; a penalty may be imposed on certificate accounts if any of the principal balance is withdrawn before the maturity date. **Term not available as IRA Certificate. |
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| Type | Dividend Rate* | APY* | Min. to Open | Compounds & Credits |
|---|---|---|---|---|
| 3-Mo. Term** $1,000-$49,999.99 | 0.15% | 0.15% | $1,000 | Monthly |
| 3-Mo. Term** $50,000-$99,999.99 | 0.20% | 0.20% | $50,000 | Monthly |
| 3-Mo. Term** $100,000+ | 0.25% | 0.25% | $100,000 | Monthly |
| 6-Mo. Term $1,000-$49,999.99 | 0.20% | 0.20% | $1,000 | Monthly |
| 6-Mo. Term $50,000-$99,999.99 | 0.25% | 0.25% | $50,000 | Monthly |
| 6-Mo. Term 100,000+ | 0.30% | 0.30% | $100,000 | Monthly |
| 12-Mo. Term $1,000-$49,999.99 | 0.20% | 0.20% | $1,000 | Monthly |
| 12-Mo. Term $50,000-$99,999.99 | 0.25% | 0.25% | $50,000 | Monthly |
| 12-Month Term $100,000+ | 0.30% | 0.30% | $100,000 | Monthly |
| 18-Mo. Term $1,000-$49,999.99 | 0.20% | 0.20% | $1,000 | Monthly |
| 18-Mo. Term $50,000-$99,999.99 | 0.25% | 0.25% | $50,000 | Monthly |
| 18-Mo. Term $100,000+ | 0.30% | 0.30% | $100,000 | Monthly |
| 24-Mo. Term $1,000-$49,999.99 | 0.25% | 0.25% | $1,000 | Monthly |
| 24-Mo. Term $50,000-$99,999.99 | 0.30% | 0.30% | $50,000 | Monthly |
| 24-Mo. Term $100,000+ | 0.35% | 0.35% | $100,000 | Monthly |
| 30-Mo. Term** $1,000-$49,999.99 | 0.30% | 0.30% | $1,000 | Monthly |
| 30-Mo. Term** $50,000-$99,999.99 | 0.35% | 0.35% | $50,000 | Monthly |
| 30-Mo. Term** $100,000+ | 0.40% | 0.40% | $100,000 | Monthly |
| 36-Mo. Term $1,000-$49,999.99 | 0.30% | 0.30% | $1,000 | Monthly |
| 36-Mo. Term $50,000-$99,999.99 | 0.35% | 0.35% | $50,000 | Monthly |
| 36-Mo. Term $100,000+ | 0.40% | 0.40% | $100,000 | Monthly |
| 48-Mo. Term $1,000-$49,999.99 | 0.35% | 0.35% | $1,000 | Monthly |
| 48-Mo. Term $50,000-$99,999.99 | 0.40% | 0.40% | $50,000 | Monthly |
| 48-Mo. Term $100,000+ | 0.45% | 0.45% | $100,000 | Monthly |
| 60-Mo. Term $1,000-$49,999.99 | 0.40% | 0.40% | $1,000 | Monthly |
| 60-Mo. Term $50,000-$99,999.99 | 0.45% | 0.45% | $50,000 | Monthly |
| 60-Mo. Term $100,000+ | 0.50% | 0.50% | $100,000 | Monthly |
IRA Certificate Rates
| Rates Effective: 01/01/2021 *Annual Percentage Yield. Rates and terms are subject to change without notice. Fees could reduce the earnings on these accounts; a penalty may be imposed on certificate accounts if any of the principal balance is withdrawn before the maturity date. |
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| Type | Dividend Rate | APY | Min. to Open | Compound & Credit |
|---|---|---|---|---|
| 6 Month Term $1,000-$49,999.99 | 0.20% | 0.20% | $1,000 | Monthly |
| 6 Month Term $50,000-$99,999.99 | 0.25% | 0.25% | $50,000 | Monthly |
| 6 Month Term $100,000+ | 0.30% | 0.30% | $100,000 | Monthly |
| 12 Month Term $1,000-$49,999.99 | 0.20% | 0.20% | $1,000 | Monthly |
| 12 Month Term $50,000-$99,999.99 | 0.25% | 0.25% | $50,000 | Monthly |
| 12 Month Term $100,000+ | 0.30% | 0.30% | $100,000 | Monthly |
| 18 Month Term $1,000-$49,999.99 | 0.20% | 0.20% | $1,000 | Monthly |
| 18 Month Term $50,000-$99,999.99 | 0.25% | 0.25% | $50,000 | Monthly |
| 18 Month Term $100,000+ | 0.30% | 0.30% | $100,000 | Monthly |
| 24 Month Term $1,000-$49,999.99 | 0.25% | 0.25% | $1,000 | Monthly |
| 24 Month Term $50,000-$99,999.99 | 0.30% | 0.30% | $50,000 | Monthly |
| 24 Month Term $100,000 | 0.35% | 0.35% | $100,000 | Monthly |
| 36 Month Term $1,000-$49,999.99 | 0.30% | 0.30% | $1,000 | Monthly |
| 36 Month Term $50,000-$99,999.99 | 0.35% | 0.35% | $50,000 | Monthly |
| 36 Month Term $100,000+ | 0.40% | 0.40% | $100,000 | Monthly |
| 48 Month Term $1,000-$49,999.99 | 0.35% | 0.35% | $1,000 | Monthly |
| 48 Monthly Term $50,000-$99,999.99 | 0.40% | 0.40% | $50,000 | Monthly |
| 48 Monthly Term $100,000+ | 0.45% | 0.45% | $100,000 | Monthly |
| 60 Month Term $1,000-$49,999.99 | 0.40% | 0.40% | $1,000 | Monthly |
| 60 Monthly Term $50,000-$99,999.99 | 0.45% | 0.45% | $50,000 | Monthly |
| 60 Month Term $100,000+ | 0.50% | 0.50% | $100,000 | Monthly |