CERTIFICATES

SIT BACK + EARN MORE

A certificate account allows you to plan out your savings by providing guaranteed returns that you can access on a set maturity date. You’ll earn high dividends (interest) over terms from 3 to 84 months, with only a minimum deposit of $500 for standard certificate accounts.

Generally speaking, a longer term means a higher interest rate. And you can rest easy knowing your deposits are insured up to $250,000 by the NCUA.

SHARE CERTIFICATE

3 MONTHS PREMIUM PLUS

4.25% APY¹

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YOU’VE GOT QUESTIONS.
WE’VE GOT ANSWERS!

WHAT IS THE MINIMUM AMOUNT TO OPEN A CERTIFICATE?

Standard certificates require a $500 minimum to open. Promotional certificates may have other minimum amounts.

HOW DO YOU CALCULATE YOUR RATES?

We take into account current economic and market data when setting our competitive dividend rates.

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WHEN DO YOU PAY DIVIDENDS?

Dividends are paid quarterly and may be posted back to the certificate or transferred to another account without penalty. You can spend your dividends before maturity without penalty.

IS THERE AN EARLY WITHDRAWAL PENALTY?

Yes, you could incur a significant penalty if the principle funds are withdrawn early. Certificates of all terms are subject to an early withdrawal penalty of 180 days of dividends, whether earned or not. If dividends have already been paid, the penalty will be deducted from principle. Unearned dividends will be deducted from principle as a result of early withdraw.

¹APY = Annual percentage yield. APY is accurate as of November 13, 2024 and is subject to change without notice. The advertised rate is the maximum rate available for this term. This rate is for Premium Plus members see our Member Appreciation Program for additional information. Other rates available. Not available to Business or Catholic Organizations. Minimum opening deposit is $500. An early withdrawal penalty may be imposed for early withdrawals. Fees may reduce earnings on the account. The certificate term is 3 months and will renew at the current 3-month certificate rate. This promotion can be modified or canceled at any time. Certain terms and conditions apply. Membership in the Credit Union is required. Insured by NCUA.