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CERTIFICATES
If you’re looking for a fixed term to meet your savings needs, a share certificate may be the answer.
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Six-Month Share Certificate
Enjoy up to a 4.80% Annual Percentage Yield (APY) with as little as $1K invested.
Dream Plan Share Certificate
If you can dream it, we want to help make it a reality. Our Dream Plan share certificates* offer a smart way to start saving for your dreams without having to invest a large amount of money at one time. Start small and save for your dream with deposits each month. Start your Dream Plan with a $25 initial deposit, then contribute at least $25 each month. Benefits include:
- Premium dividend rate for 60 months
- No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union
- Maximum balance of $50,000
Share Certificate
Earn higher dividends than a regular share account by investing as little as $1,000 into a share certificate.
Certificate terms range from 6 to 60 months.* When the share certificate matures at the end of the term, you can choose to do nothing and let the certificate automatically renew at the Credit Union rate at time of maturity. You can also deposit the funds in another account or withdraw them.
Share Certificate Ladder
Maximize your earnings and get the best of both worlds by opening a share certificate ladder.* The concept is simple: The longer the term, the higher the return. You create your ladder consisting of several share certificates, each with a different rate and maturity. When a certificate matures, you should reinvest your money — buy a new certificate at the longest term — but you also have the option to pull out your funds if necessary. See our blog for additional information.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
Dream Plan Share Certificate
If you can dream it, we want to help make it a reality. Our Dream Plan share certificates* offer a smart way to start saving for your dreams without having to invest a large amount of money at one time. Start small and save for your dream with deposits each month. Start your Dream Plan with a $25 initial deposit, then contribute at least $25 each month. Benefits include:
- Premium dividend rate for 60 months
- No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union
- Maximum balance of $50,000
Share Certificate
Earn higher dividends than a regular share account by investing as little as $1,000 into a share certificate.
Certificate terms range from 6 to 60 months.* When the share certificate matures at the end of the term, you can choose to do nothing and let the certificate automatically renew at the Credit Union rate at time of maturity. You can also deposit the funds in another account or withdraw them.
Share Certificate Ladder
Maximize your earnings and get the best of both worlds by opening a share certificate ladder.* The concept is simple: The longer the term, the higher the return. You create your ladder consisting of several share certificates, each with a different rate and maturity. When a certificate matures, you should reinvest your money — buy a new certificate at the longest term — but you also have the option to pull out your funds if necessary. See our blog for additional information.
Tools & Resources
We also provide additional tools and resources to help you manage your finances and learn as you go.
Frequently Asked Questions
Savings accounts have more flexibility and allow you to deposit and withdrawal funds, typically without limitation. Share certificates are available for various terms, and during that term, you earn a fixed interest rate, which is usually higher than a savings account. You can't deposit (with the exception of the Dream Plan) or withdraw funds during the term without being penalized.
There are several options when a certificate matures, including letting it automatically renew or cashing it out. See our blog for more details on what to expect when your certificate matures.
Rates tend to change with the economy, so there’s not a certain term that always pays higher. You can visit our Rates page to see the current rates available for all our deposit products.
Laddering is a simple investment technique that involves dividing your investment across two, three or more share certificates. It typically brings you higher dividends than investing in only one share certificate renewed over time.
We offer a two-rung ladder for 30 and 60 months; a three-rung ladder for 12, 24 and 36 months and a five-rung ladder for 12, 24, 36, 48 and 60 months.
Laddering limits your investment risk and is flexible. Since you’re reinvesting a portion of your money regularly, you’re less likely to suffer from dividend rate fluctuations. Plus, you structure your ladder to meet your needs, so you have funds available when you may need them.
Our Rates^
-
APY as high as
2.12%
Savings
Share/IRA Accounts
-
APY as high as
4.80%
Short-Term Share Certificate
Share Certificate
-
APY as high as
4.60%
Share Certificate
Share/IRA Certificates
-
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
-
APY as high as
0.40%
Priority Checking
Checking Accounts
-
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2024.
Our Rates^
-
APR as low as
4.49%
New Auto
Up to 36 Months
-
APR as low as
4.74%
Used Auto
Up to 36 Months
-
APR as low as
5.24%
New Auto
Up to 60 months
-
APR as low as
5.49%
Used Auto
Up to 60 months
-
APR as low as
6.74%
RV
Vehicle Loans
-
APR as low as
6.49%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 25, 2024.
Our Rates^
-
APR as low as
5.575%
15-Year Fixed
Home Loans
-
APR as low as
6.075%
30-Year Fixed
Home Loans
-
APR as low as
6.657%
5/1 Arm (30-Year)
Home Loans
-
APR as low as
7.125%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 22, 2024. View Full Disclosures.
Our Rates^
-
APR
15.50% - 17.50%
Signature Cash Back
Credit Cards
-
APR
13.25% - 18.00%
Platinum Rewards
Credit Cards
-
APR
11.75% - 18.00%
Platinum Low Rate
Credit Cards
-
APR
16.99%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
Our Rates^
-
APY as high as
0.15%
Business Checking
Checking Accounts
-
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2024.
Our Rates^
-
APR
13.49% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
Our Rates^
APY as high as
2.12%
Savings
Share/IRA Accounts
APY as high as
4.80%
Short-Term Share Certificate
Share Certificate
APY as high as
4.60%
Share Certificate
Share/IRA Certificates
APY as high as
4.07%
Ladder Certificates
Share/IRA Certificates
APY as high as
0.40%
Priority Checking
Checking Accounts
APY as high as
0.25%
Flagship Checking
Checking Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2024.
APR as low as
4.49%
New Auto
Up to 36 Months
APR as low as
4.74%
Used Auto
Up to 36 Months
APR as low as
5.24%
New Auto
Up to 60 months
APR as low as
5.49%
Used Auto
Up to 60 months
APR as low as
6.74%
RV
Vehicle Loans
APR as low as
6.49%
Boat/Airplane
Vehicle Loans
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 25, 2024.
APR as low as
5.575%
15-Year Fixed
Home Loans
APR as low as
6.075%
30-Year Fixed
Home Loans
APR as low as
6.657%
5/1 Arm (30-Year)
Home Loans
APR as low as
7.125%
5/10 Fixed
Owner Occupied HELOC
^Home Loan Rates and Information and HELOC Rates and Information
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 22, 2024. View Full Disclosures.
APR
15.50% - 17.50%
Signature Cash Back
Credit Cards
APR
13.25% - 18.00%
Platinum Rewards
Credit Cards
APR
11.75% - 18.00%
Platinum Low Rate
Credit Cards
APR
16.99%
Platinum Secured
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
APY as high as
0.15%
Business Checking
Checking Accounts
APY as high as
0.40%
Business Savings Account
(Share) Savings Accounts
Rates Subject to Change. APY=Annual Percentage Yield. Rates Effective October 1, 2024.
APR
13.49% - 18.00%
Platinum
Credit Cards
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective October 1, 2024.
ADVICE, TIPS & NEWS
Rainy Day Fund
We all know the importance of saving for a rainy day, but what if you’re caught in a downpour without an umbrella? (Thanks, COVID-19!) It’s never too late to create an emergency fund.
"I feel like they are truly there for me, and treat me like a person, not a number – as clichéd as that sounds."
Debi, member since 1981
* See the applicable Share Certificate section of our Rate & Fee Schedule for more detailed information. We reserve the right to decline a Certificate renewal. If we decline to renew your Certificate, the balance of your Certificate will be deposited to your Primary Share Account.
