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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.

  • 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 Learn More

Term Minimum Deposit to Open Account Minimum Balance to Earn Dividends Dividend Rate APY Rate Type Compounded / Paid
90 Days $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 2.35% 2.38% Fixed Monthly
36 Month $1,000 $1,000 2.40% 2.43% Fixed Monthly
48 Month $1,000 $1,000 2.45% 2.48% Fixed Monthly
60 Month $1,000 $1,000 2.50% 2.53% 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 )

Member Relations

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800.343.6328 Option #6

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