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Certificate Rates

Certificates can help you save for the future with both short- and long-term options, typically with an Annual Percentage Yield (APY) that is higher than a regular savings account.1

Last updated 12/10/2019

Regular Certificates

Term Dividend Rate APY*
1-3 Month 0.250% 0.25%
4-6 Month 0.250% 0.25%
7-12 Month 0.499% 0.50%
13-18 Month 0.747% 0.75%
19-24 Month 0.995% 1.00%
25-36 Month 1.144% 1.15%
37-48 Month 1.292% 1.30%
49-60 Month 1.490% 1.50%

IRA Certificates

Term Dividend Rate APY*
1-3 Month 0.250% 0.25%
4-6 Month 0.250% 0.25%
7-12 Month 0.499% 0.50%
13-18 Month 0.747% 0.75%
19-24 Month 0.995% 1.00%
25-36 Month 1.144% 1.15%
37-48 Month 1.292% 1.30%
49-60 Month 1.490% 1.50%
Notices & Disclosures
1
Minimum to open and earn dividends is $1,000. Fees may reduce earnings. A penalty may be imposed for early withdrawal. Membership eligibility requirements apply.