Certificates

Increase your earnings

With savings rates above the national average, you can save more in less time.

Know your options

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Share Certificates

We offer standard certificates with tiered rates and flexible term options. Certificates require a minimum balance of $500.

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9-month No penalty Certificate

Like the idea of better rates, but worried about early withdrawal penalties? Take money out whenever you need with zero penalties or fees.

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Add-on certificate

Have some extra cash? Give your certificate a boost. Our add-on certificates allow you to add money at any time, with 12- or 24-month terms.

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Bump-up certificate

Don't miss out on better rates after you've opened your certificate. Our bump-up certificate gives you the one-time option to match the current rate at any time during your certificate's term.

Support along the way

Track your goals online, cash in on member rewards, and more.

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Concierge Service

Have questions? Good thing you have MyConcierge™. Half personal sidekick, half financial wizard, your concierge knows money management like the back of their hand. Best of all, they're here whenever you need them.

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Save for big plans—a little at a time

Whether you access your account through online banking or our mobile app, you'll be able to create simple, customized goals that help keep your savings on track. And if you ever have questions, we offer 24/7 support.

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Rates that grow your money

Your goals may be closer than you realize. Our certificate dividend rates are often higher than the national average.

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Rewards for loyal members

When we see a chance to give back to our members, we take it. Our Member Loyalty Rewards Program allows us to provide qualified members with better rates and lower fees.

Common Questions

To open a regular savings account, simply make a $5 deposit. After that, you're good to open any other type of account.

We require a $500 minimum opening deposit and balance to earn any advertised Annual Percentage Yield (APY).

You earn money on the money you have on deposit with us based on your account balance, annual percentage yield and dividend rates (also known at other financial institutions as interest) and how long you keep your money on deposit. Dividend rates are subject to change with the market. View our current rates here.

You can make as many withdrawals or transfers from your savings account as you want.

Ready to get started?

Opening your certificate online takes just a few minutes. Or if you prefer, stop by any branch and let us handle it for you. IRA certificates can't be opened online.

We're Here to Help

Getting Ready for Life's Moments and Milestones

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Buying a House

Your home will likely be the biggest investment you ever make. Here’s everything you need to know—and who to talk to if you’d like some personalized guidance.

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Goal Savings

Save for big plans—a little at a time. With great rates and powerful in-app tools, it’s never been easier to set (and achieve) your long-term goals.

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Visa Signature® Card

Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.

Get Started

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