Find answers to our Frequently Asked Questions.
Back to Checking & Savings

Share Certificates

High dividend, low commitment saving.

Share certificates may be part of your long-term savings strategy, but with terms from 6 to 60 months, you can access funds in the short-term too.

StartUP Share Certificate

The StartUP Share Certificate is an easy way to start saving for the future, with a low $10 minimum balance, high 5.00% APY return, and the ability to add money to the certificate at any time up to $1,000. You can also redeem your PlusPoints to increase the APY up to 0.25%.

  Term Minimum Balance Maximum Balance APY APY With 2,500 PlusPoints
StartUP Share Certificate 12 months $10 $1,000 5.00% 5.25%

OPEN

APY=Annual Percentage Yield. Routing #314977104. Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings account. Maximum balance=$1,000. Penalty may be imposed for early withdrawals. Limit one StartUP Share Certificate per member. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. APY with 2,500 PlusPoints includes 0.25% increase from redeeming 2,500 PlusPoints. Effective dates: 7.28.2021 through 8.2.2021.

StartUP Share Certificate

The StartUP Share Certificate is an easy way to start saving for the future, with a low $10 minimum balance, high 5.00% APY return, and the ability to add money to the certificate at any time up to $1,000. You can also redeem your PlusPoints to increase the APY up to 0.25%.

Term: 12 months

  • Minimum Balance: $10
  • Maximum Balance: $1,000
  • APY: 5.00%
  • APY With 2,500 PlusPoints: 5.25%

OPEN

APY=Annual Percentage Yield. Routing #314977104. Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings account. Maximum balance=$1,000. Penalty may be imposed for early withdrawals. Limit one StartUP Share Certificate per member. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. APY with 2,500 PlusPoints includes 0.25% increase from redeeming 2,500 PlusPoints. Effective dates: 7.28.2021 through 8.2.2021.

Share Certificates

Share certificates can help you achieve the right balance between long- and short-term savings goals. You can also redeem your PlusPoints to increase the APY by up to 0.25%.

Term Minimum Balance APY APY with 2,500 PlusPoints
6 month  $1,000 0.25% 0.50%
12 month $1,000 0.35% 0.60%
18 month $1,000 0.45% 0.70%
24 month $1,000 0.50% 0.75%
36 month $1,000 0.60% 0.85%
48 month $1,000 0.70% 0.95%
60 month $1,000 0.80% 1.05%

OPEN

APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. Accounts federally insured up to $250,000 by NCUA. APY with 2,500 PlusPoints includes 0.25% increase from redeeming 2,500 PlusPoints. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 7.28.2021 through 8.2.2021.

Share Certificates

Share certificates can help you achieve the right balance between long- and short-term savings goals. You can also redeem your PlusPoints to increase the APY by up to 0.25%.

Term: 6 month

  • Minimum Balance: $1,000
  • APY: 0.25%
  • APY with 2,500 PlusPoints: 0.50%

Term: 12 month

  • Minimum Balance: $1,000
  • APY: 0.35%
  • APY with 2,500 PlusPoints: 0.60%

Term: 18 month

  • Minimum Balance: $1,000
  • APY: 0.45%
  • APY with 2,500 PlusPoints: 0.70%

Term: 24 month

  • Minimum Balance: $1,000
  • APY: 0.50%
  • APY with 2,500 PlusPoints: 0.75%

Term: 36 month

  • Minimum Balance: $1,000
  • APY: 0.60%
  • APY with 2,500 PlusPoints: 0.85%

Term: 48 month

  • Minimum Balance: $1,000
  • APY: 0.25%
  • APY with 2,500 PlusPoints: 0.50%

Term: 60 month

  • Minimum Balance: $1,000
  • APY: 0.80%
  • APY with 2,500 PlusPoints: 1.05%
OPEN
APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. Accounts federally insured up to $250,000 by NCUA. APY with 2,500 PlusPoints includes 0.25% increase from redeeming 2,500 PlusPoints. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 7.28.2021 through 8.2.2021.
Plus Advantage Certificates

Plus Advantage Certificates add the special feature of getting a one-time increase in the APY should rates increase (specific to certificate term and type). You can also redeem your PlusPoints to increase the APY by up to 0.25%.

Term Minimum Balance APY APY With 2,500 PlusPoints
12 month $1,000 0.25% 0.50%
18 month $1,000 0.35% 0.60%
24 month $1,000 0.40% 0.65%
36 month $1,000 0.50% 0.75%
48 month $1,000 0.60% 0.85%
60 month $1,000 0.70% 0.95%

OPEN

APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. Accounts federally insured up to $250,000 by NCUA. APY with 2,500 PlusPoints includes 0.25% increase from redeeming 2,500 PlusPoints. To increase the rate during the term of Plus Advantage Certificates using PlusPoints, PlusPoints must again be available at each rate change. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 7.28.2021 through 8.2.2021.

Plus Advantage Certificates

Plus Advantage Certificates add the special feature of getting a one-time increase in the APY should rates increase (specific to certificate term and type). You can also redeem your PlusPoints to increase the APY by up to 0.25%.

Term: 12 month

  • Minimum Balance: $1,000
  • APY: 0.25%
  • APY with 2,500 PlusPoints: 0.50%

Term: 18 month

  • Minimum Balance: $1,000
  • APY: 0.35%
  • APY with 2,500 PlusPoints: 0.60%

Term: 24 month

  • Minimum Balance: $1,000
  • APY: 0.40%
  • APY with 2,500 PlusPoints: 0.65%

Term: 36 month

  • Minimum Balance: $1,000
  • APY: 0.50%
  • APY with 2,500 PlusPoints: 0.75%

Term: 48 month

  • Minimum Balance: $1,000
  • APY: 0.60%
  • APY with 2,500 PlusPoints: 0.85%

Term: 60 month

  • Minimum Balance: $1,000
  • APY: 0.70%
  • APY with 2,500 PlusPoints: 0.95%
OPEN
APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. Accounts federally insured up to $250,000 by NCUA. APY with 2,500 PlusPoints includes 0.25% increase from redeeming 2,500 PlusPoints. To increase the rate during the term of Plus Advantage Certificates using PlusPoints, PlusPoints must again be available at each rate change. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 7.28.2021 through 8.2.2021.