We Put Our Members First.


Open your new account online or at a branch. To talk with one of our membership experts, call us at (800) 237-7288 or email Account and Transaction Inquiries.

Open Your Personal Account Today!

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!

View Current Rates


Share Certificates

  • 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.

No Penalty 9-Month Certificate

  • Minimum opening deposit is $5,000.
  • Take your money out whenever you need to during the term, without penalty.

Add-On Certificates

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

Bump-Up Certificate

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 >

Telebranch (Customer Service)
(800) 237-7288


Certificate Special Offer


Home Equity Loan


VISA Balance Transfer


*APR=Annual Percentage Rate   **APY=Annual Percentage Yield