Patience is a virtue — and one that pays very well. Place funds you don't immediately need in a certificate to enjoy greater returns than a savings account. Fixed rates are guaranteed for the length of the term you choose.

Details
  • Greater returns than savings accounts
  • No risk, no markets to watch
  • Fixed rate guaranteed for term (from 3 months to 5 years)
  • Higher rates for longer terms
  • Penalty on earnings for early withdrawal
  • $1,000 minimum deposit to open

Federally insured by the National Credit Union Administration to $250,000.

Excess coverage for consumer accounts up to $200,000 by American Share Insurance.

Personal Term Share Certificates See Details

Term Share CertificatesMinimum Deposit to Open AccountMinimum Balance to Earn DividendsDividend RateAPYRate TypeCompounded/Paid
End of Year Special $10,000 $10,000 1.98% 2.00% Fixed Monthly
90 Day $1,000 $1,000 1.50% 1.51% Fixed Monthly
6 Month $1,000 $1,000 1.75% 1.76% Fixed Monthly
9 Month $1,000 $1,000 2.00% 2.02% Fixed Monthly
12 Month $1,000 $1,000 2.25% 2.27% Fixed Monthly
18 Month $1,000 $1,000 2.30% 2.32% Fixed Monthly
24 Month $1,000 $1,000 2.50% 2.53% Fixed Monthly
36 Month $1,000 $1,000 2.60% 2.63% Fixed Monthly
48 Month $1,000 $1,000 2.70% 2.73% Fixed Monthly
60 Month $1,000 $1,000 2.95% 2.99% Fixed Monthly

Penalty for early withdrawal. Minimum Balance is required in order to open Term Share Certificate and earn dividend.

Personal Membership Forms

Become a Member

Additional Account Forms

Membership Information 

  • Consumer Fee Schedule ( Print )
  • Overdraft Privilege Program Disclosure ( Print )
  • Statement of Faith ( Print )