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% |
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%
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% |
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%