CERTIFICATES
If you’re looking for a fixed term to meet your savings needs, a share certificate may be the answer.
Apply NowDream 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
Share Certificate
Earn higher dividends than a regular share account by investing as little as $1,000 per term. Choose a 12,24,30,36,48 or 60 month option.*
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 below for additional information.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
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
Share Certificate
Earn higher dividends than a regular share account by investing as little as $1,000 per term. Choose a 12,24,30,36,48 or 60 month option.*
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 below for additional information.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
Frequently Asked Questions
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 month; 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.
EDUCATION
Why You Need a "Fun" Fund
Fun money often gets lumped into your entertainment, restaurant or even your miscellaneous fund. But a fun fund is none of these. Rather, it’s a separate amount to spend however you want, whenever you want – i.e. on impulse. The point of having the fund is to keep you from whiffing on reaching your other financial goals.
Our Rates*
-
APY as high as
0.50%
Checking Account
Priority Checking
-
APY as high as
0.40%
Savings Accounts
(Share) Savings Accounts
-
APY as high as
0.40%
Savings Accounts
IRA Savings
-
APY as high as
0.80%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2021.
Our Rates*
-
APR as low as
1.80%
New Auto
Vehicle Loans
-
APR as low as
1.80%
Used Auto
Vehicle Loans
-
APR as low as
5.24%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective August 01, 2020.
Our Rates*
-
APR as low as
2.531%
15-Year Fixed
Home Loans
-
APR as low as
2.906%
30-Year Fixed
Home Loans
-
APR as low as
2.776%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 7, 2021. View Full Disclosures.
Our Rates*
-
APR
7.00% - 12.24%
Platinum (Low Rate)
Credit Cards
-
APR
8.50% - 14.24%
Rewards
Credit Cards
-
APR
12.24%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.
Our Rates*
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2021.
Our Rates*
-
APR
8.74% - 14.74%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.
Our Rates*
APY as high as
0.50%
Checking Account
Priority Checking
APY as high as
0.40%
Savings Accounts
(Share) Savings Accounts
APY as high as
0.40%
Savings Accounts
IRA Savings
APY as high as
0.80%
Share Certificates
Regular Share Certificates
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2021.
APR as low as
1.80%
New Auto
Vehicle Loans
APR as low as
1.80%
Used Auto
Vehicle Loans
APR as low as
5.24%
RV
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective August 01, 2020.
APR as low as
2.531%
15-Year Fixed
Home Loans
APR as low as
2.906%
30-Year Fixed
Home Loans
APR as low as
2.776%
5/1 Arm (30-Year)
Home Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective January 7, 2021. View Full Disclosures.
APR
7.00% - 12.24%
Platinum (Low Rate)
Credit Cards
APR
8.50% - 14.24%
Rewards
Credit Cards
APR
12.24%
Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective January 1, 2021.
APR
8.74% - 14.74%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective April 01, 2020.
"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
* See the applicable Share Certificate section of our Rate & Fee Schedule for more detailed information.
