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.