Certificate product terms range from 3 to 60 months. For your convenience, current members can open certificates using Members 1st Online, our home banking service. With all certificate accounts, there is a penalty for early withdrawal.
Looking to earn a higher interest rate? With Member Loyalty Rewards, you could earn bonus certificate rates based on your account relationship with us!
- 3- to 60-month terms available.
- Minimum $500 opening deposit required.
- Dividends are computed daily and paid monthly with the exception of the 3-month share certificate (dividends are paid at maturity).
- Higher rates apply on certain tiered balances.
- Penalty for early withdrawal.
- Minimum opening deposit is $5,000.
- Take your money out whenever you need to during the term, without penalty.
|12-Month Term||24-Month Term|
|Minimum opening deposit is $100||Minimum opening deposit is $500|
|Add funds to your certificate at any time||Add funds to your certificate at any time|
|Minimum additional deposits are $10||Minimum additional deposits are $25|
|Penalty for early withdrawal||Penalty for early withdrawal|
If you think rates might go up during your certificate's term, this is the product for you!
- 24 or 48-month term
- You may choose one time to "bump up" the certificate's rate to the currently offered rate
- Penalty for early withdrawal
Truth In Savings Disclosure >