CERTIFICATES

If you’re looking for a fixed term to meet your savings needs, a share certificate may be the answer. 

 

 

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Six-Month Share Certificate

Enjoy up to a 5.40% Annual Percentage Yield (APY) with as little as $1K invested.

View rates and fees. 

Apply now.

Dream Plan Share Certificate

If you can dream it, we want to help make it a reality. Our Dream Plan share certificates* offer a smart way to start saving for your dreams without having to invest a large amount of money at one time. Start small and save for your dream with deposits each month. Start your Dream Plan with a $25 initial deposit, then contribute at least $25 each month. Benefits include:

  • Premium dividend rate for 60 months
  • No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union
  • Maximum balance of $50,000

Apply now and get started with your Dream Plan.

Learn more about your certificate that is maturing.

Share Certificate

Earn higher dividends than a regular share account by investing as little as $1,000 into a share certificate.

Certificate terms range from 6 to 60 months.* When the share certificate matures at the end of the term, you can choose to do nothing and let the certificate automatically renew at the Credit Union rate at time of maturity. You can also deposit the funds in another account or withdraw them.

Apply now for share certificate investment.

Learn more about your certificate that is maturing.

Share Certificate Ladder

Maximize your earnings and get the best of both worlds by opening a share certificate ladder.* The concept is simple: The longer the term, the higher the return. You create your ladder consisting of several share certificates, each with a different rate and maturity. When a certificate matures, you should reinvest your money — buy a new certificate at the longest term — but you also have the option to pull out your funds if necessary. See our blog for additional information.

Apply now for a share certificate ladder.

Learn more about your certificate that is maturing.

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

Learn more.

Access our calculators.

Dream Plan Share Certificate

If you can dream it, we want to help make it a reality. Our Dream Plan share certificates* offer a smart way to start saving for your dreams without having to invest a large amount of money at one time. Start small and save for your dream with deposits each month. Start your Dream Plan with a $25 initial deposit, then contribute at least $25 each month. Benefits include:

  • Premium dividend rate for 60 months
  • No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union
  • Maximum balance of $50,000

Apply now and get started with your Dream Plan.

Learn more about your certificate that is maturing.

Share Certificate

Earn higher dividends than a regular share account by investing as little as $1,000 into a share certificate.

Certificate terms range from 6 to 60 months.* When the share certificate matures at the end of the term, you can choose to do nothing and let the certificate automatically renew at the Credit Union rate at time of maturity. You can also deposit the funds in another account or withdraw them.

Apply now for share certificate investment.

Learn more about your certificate that is maturing.

Share Certificate Ladder

Maximize your earnings and get the best of both worlds by opening a share certificate ladder.* The concept is simple: The longer the term, the higher the return. You create your ladder consisting of several share certificates, each with a different rate and maturity. When a certificate matures, you should reinvest your money — buy a new certificate at the longest term — but you also have the option to pull out your funds if necessary. See our blog for additional information.

Apply now for a share certificate ladder.

Learn more about your certificate that is maturing.

Tools & Resources

We also provide additional tools and resources to help you manage your finances and learn as you go.

Frequently Asked Questions

Savings accounts have more flexibility and allow you to deposit and withdrawal funds, typically without limitation. Share certificates are available for various terms, and during that term, you earn a fixed interest rate, which is usually higher than a savings account. You can't deposit (with the exception of the Dream Plan) or withdraw funds during the term without being penalized.

There are several options when a certificate matures, including letting it automatically renew or cashing it out. See our blog for more details on what to expect when your certificate matures.

Rates tend to change with the economy, so there’s not a certain term that always pays higher. You can visit our Rates page to see the current rates available for all our deposit products.

Laddering is a simple investment technique that involves dividing your investment across two, three or more share certificates. It typically brings you higher dividends than investing in only one share certificate renewed over time.

We offer a two-rung ladder for 30 and 60 months; a three-rung ladder for 12, 24 and 36 months and a five-rung ladder for 12, 24, 36, 48 and 60 months.

Laddering limits your investment risk and is flexible. Since you’re reinvesting a portion of your money regularly, you’re less likely to suffer from dividend rate fluctuations. Plus, you structure your ladder to meet your needs, so you have funds available when you may need them.

Our Rates^

  • APY as high as

    2.38%

    Savings

    Share/IRA Accounts

  • APY as high as

    5.40%

    Short-Term Share Certificate

    Share Certificate

  • APY as high as

    5.00%

    Share Certificate

    Share/IRA Certificates

  • APY as high as

    4.28%

    Ladder Certificates

    Share/IRA Certificates

  • APY as high as

    0.40%

    Priority Checking

    Checking Accounts

  • APY as high as

    0.25%

    Flagship Checking

    Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2024.

Our Rates^

  • APR as low as

    4.94%

    New/Used Auto

    Up to 36 Months

  • APR as low as

    5.69%

    New/Used Auto

    Up to 60 months

  • APR as low as

    6.74%

    RV

    Vehicle Loans

  • APR as low as

    6.49%

    Boat/Airplane

    Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 1, 2024.

Our Rates^

  • APR as low as

    6.591%

    15-Year Fixed

    Home Loans

  • APR as low as

    6.964%

    30-Year Fixed

    Home Loans

  • APR as low as

    7.495%

    5/1 Arm (30-Year)

    Home Loans

  • APR as low as

    7.125%

    5/10 Fixed

    Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 15, 2024.  View Full Disclosures.

Our Rates^

  • APR

    16.00% - 18.00%

    Signature Cash Back

    Credit Cards

  • APR

    13.75% - 18.00%

    Platinum Rewards

    Credit Cards

  • APR

    12.25% - 17.49%

    Platinum Low Rate

    Credit Cards

  • APR

    17.49%

    Platinum Secured

    Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2024.

Our Rates^

  • APY as high as

    0.15%

    Business Checking

    Checking Accounts

  • APY as high as

    0.40%

    Business Savings Account

    (Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2024.

Our Rates^

  • APR

    13.99% - 18.00%

    Platinum

    Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.

Our Rates^

APY as high as

2.38%

Savings

Share/IRA Accounts

APY as high as

5.40%

Short-Term Share Certificate

Share Certificate

APY as high as

5.00%

Share Certificate

Share/IRA Certificates

APY as high as

4.28%

Ladder Certificates

Share/IRA Certificates

APY as high as

0.40%

Priority Checking

Checking Accounts

APY as high as

0.25%

Flagship Checking

Checking Accounts

^Savings Rates and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2024.

APR as low as

4.94%

New/Used Auto

Up to 36 Months

APR as low as

5.69%

New/Used Auto

Up to 60 months

APR as low as

6.74%

RV

Vehicle Loans

APR as low as

6.49%

Boat/Airplane

Vehicle Loans

^Auto & Recreational Loans

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective February 1, 2024.

APR as low as

6.591%

15-Year Fixed

Home Loans

APR as low as

6.964%

30-Year Fixed

Home Loans

APR as low as

7.495%

5/1 Arm (30-Year)

Home Loans

APR as low as

7.125%

5/10 Fixed

Owner Occupied HELOC

^Home Loan Rates and Information and HELOC Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective May 15, 2024.  View Full Disclosures.

APR

16.00% - 18.00%

Signature Cash Back

Credit Cards

APR

13.75% - 18.00%

Platinum Rewards

Credit Cards

APR

12.25% - 17.49%

Platinum Low Rate

Credit Cards

APR

17.49%

Platinum Secured

Credit Cards

^Credit Card Rates and Fees

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 1, 2024.

APY as high as

0.15%

Business Checking

Checking Accounts

APY as high as

0.40%

Business Savings Account

(Share) Savings Accounts

^Business Rate and Fee Schedule

Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective May 1, 2024.

APR

13.99% - 18.00%

Platinum

Credit Cards

^Business Credit Card Rates and Information

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2023.

ADVICE, TIPS & NEWS

Rainy Day Fund

We all know the importance of saving for a rainy day, but what if you’re caught in a downpour without an umbrella? (Thanks, COVID-19!) It’s never too late to create an emergency fund.

Read More

Visit Our Blog

"I feel like they are truly there for me, and treat me like a person, not a number – as clichéd as that sounds."

Debi, member since 1981

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* See the applicable Share Certificate section of our Rate & Fee Schedule for more detailed information. We reserve the right to decline a Certificate renewal. If we decline to renew your Certificate, the balance of your Certificate will be deposited to your Primary Share Account.