Certificates Benefits
Term Options
Range of terms available from 3 months to 10 years
Frees not Fees
Skip monthly service charges and early withdrawal penalties, and go straight to surcharge-free ATMS*, free e-statements and more.
Shared Branches
Access to over 30,000 ATMs and 5700 shared branches mean you enjoy more direct access to your money than most traditional bank customers.
Digital Banking
Jump online or open our mobile app to track your spending and manage your accounts.
Share certificates pay fixed rates, so you can meet your financial goals. We offer a number of terms — simply lock in your rate and wait for your savings to increase.
Share Certificates
| Term | Dividend Rate | APY |
|---|---|---|
Term 3 Months |
Dividend Rate 0.15% |
APY 0.15% |
Term 5 Months (No Penalty) |
Dividend Rate 0.15% |
APY 0.15% |
Term 6 Months |
Dividend Rate 0.15% |
APY 0.15% |
Term 8 Months (No Penalty) |
Dividend Rate 0.25% |
APY 0.25% |
Term 9 Months |
Dividend Rate 0.15% |
APY 0.15% |
Term 1 Year |
Dividend Rate 0.25% |
APY 0.25% |
Term 15 Months |
Dividend Rate 0.25% |
APY 0.25% |
Term 18 Months (*Win-Win) |
Dividend Rate 0.50% |
APY 0.50% |
Term 2 Years |
Dividend Rate 0.25% |
APY 0.25% |
Term 3 Years |
Dividend Rate 0.50% |
APY 0.50% |
Term 5 Years |
Dividend Rate 0.75% |
APY 0.76% |
Term 7 Years |
Dividend Rate 0.75% |
APY 0.76% |
Term 10 Years |
Dividend Rate 1.00% |
APY 1.01% |
Account Information
Minimum Opening Deposit
$500
Dividends Compounded
Monthly
Dividends Credit
Monthly
Dividend Period
Monthly
Balance Method
Daily Balance Method
Transaction Limitations – Penalties may apply for early withdrawal.
Additional Deposits
Not Allowed
Dividend Withdrawal
Allowed
Renewable
Automatic
Jumbo Share Certificates
| Term | Dividend Rate | APY |
|---|---|---|
Term 5 Months (No Penalty) |
Dividend Rate 0.20% |
APY 0.20% |
Term 6 Months |
Dividend Rate 0.20% |
APY 0.20% |
Term 8 Months (No Penalty) |
Dividend Rate 0.30% |
APY 0.30% |
Term 9 Months |
Dividend Rate 0.20% |
APY 0.20% |
Term 1 Year |
Dividend Rate 0.30% |
APY 0.30% |
Term 15 Months |
Dividend Rate 0.30% |
APY 0.30% |
Term 18 Months (*Win-Win) |
Dividend Rate 0.55% |
APY 0.55% |
Term 2 Years |
Dividend Rate 0.30% |
APY 0.30% |
Term 3 Years |
Dividend Rate 0.55% |
APY 0.55% |
Term 5 Years |
Dividend Rate 0.80% |
APY 0.80% |
Term 7 Years |
Dividend Rate 0.80% |
APY 0.80% |
Term 10 Years |
Dividend Rate 1.05% |
APY 1.06% |
Account Information
Minimum Opening Deposit
$95,000
Dividends Compounded
Monthly
Dividends Credit
Monthly
Dividend Period
Monthly
Balance Method
Daily Balance Method
Transaction Limitations – Penalties may apply for early withdrawal.
Additional Deposits
Not Allowed
Dividend Withdrawal
Allowed
Renewable
Automatic
IRA Share Certificates
| Term | Dividend Rate | APY |
|---|---|---|
Term 5 Months (No Penalty) |
Dividend Rate 0.15% |
APY 0.15% |
Term 8 Months (No Penalty) |
Dividend Rate 0.25% |
APY 0.25% |
Term 9 Months |
Dividend Rate 0.15% |
APY 0.15% |
Term 15 Months |
Dividend Rate 0.25% |
APY 0.25% |
Term 18 Months (*Win-Win) |
Dividend Rate 0.50% |
APY 0.50% |
Term 3 Years |
Dividend Rate 0.50% |
APY 0.50% |
Term 5 Years |
Dividend Rate 0.75% |
APY 0.76% |
Term 7 Years |
Dividend Rate 0.75% |
APY 0.76% |
Term 10 Years |
Dividend Rate 1.00% |
APY 1.01% |
Account Information
Minimum Opening Deposit
N/A
Dividends Compounded
Monthly
Dividends Credit
Monthly
Dividend Period
Monthly
Balance Method
Daily Balance Method
Transaction Limitations – Penalties may apply for early withdrawal.
Additional Deposits
Not Allowed
Dividend Withdrawal
Allowed
Renewable
Automatic
Why choose a certificate?
- Risk-free investment
- Enjoy competitive fixed rates for easy planning
- Range of terms available from 3 months to 10 years
- $500 minimum deposit to open (some exceptions apply – Step Up)
- Penalty for early withdrawal (some exceptions apply)
