No other investment is as safe or certain. Similar to a certificate of deposit (CD), secure earnings with a guaranteed return.

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Features and Benefits

  • Guaranteed fixed-term dividends
  • Terms from 6 to 60 months
  • Bump-Up Option*
  • Add-Up Option**
  • $1,000 minimum opening balance
  • Funds are federally insured by the NCUA

Rates at a Glance View All

Certificate Rates as high as 1.00% APY*

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

Use this calculator to examine the benefits of investing in a series of certificates with different maturities, also called a Certificate Ladder.

Certificate Calculator



Bump-Up Option

Do you like keeping tabs on interest rates and following the markets?  If so, a “Bump-Up” Certificate might be the right choice for you.  A Bump-Up Certificate offers a one-time option to increase the interest rate on your certificate (36-month term or longer) to the current published equivalent term rate.

Add-Up Option**

Do you wish you could earn more money to your certificate?  The “Add-Up” option lets you make additional contributions while maintaining your fixed dividend rate. The Add-Up-Option is available for certificates that are 12 months or longer; you must add a minimum of $500 and this option is limited to two (2) times per certificate.