A secure investment over a specific term.
Amplify your earnings with your choice of certificate accounts.
Multiple Term Options
A selection of term lengths lets you choose what works best for you.
Low Minimum Balance
Get started with a low minimum balance of just $500.
No Monthly Fees
You won't have to worry about monthly fees eroding your earnings.
Business Certificate Account Rates
| 12-Month Special - New Money Only1 | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$99,999.99 | 4.43% | 4.50% |
| $100,000+ | 4.41% | 4.50% |
| 12-Month Special2 | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$99,999.99 | 4.14% | 4.20% |
| $100,000+ | 4.12% | 4.20% |
| 24-Month Special - New Money Only1 | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$99,999.99 | 3.75% | 3.80% |
| $100,000+ | 3.74% | 3.80% |
| 24-Month Special2 | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$99,999.99 | 3.45% | 3.50% |
| $100,000+ | 3.45% | 3.50% |
Rates effective as of November 20, 2024 and subject to change. Membership with a $5 Share Account required. Minimum balance to open certificates $500 (unless noted). Penalty applies for early withdrawal. Annual Percentage Yields disclosed assume quarterly compounding for amounts less than $100,000 and monthly compounding for amounts $100,000 and greater. New certificate deposits are limited each month. When new certificate deposit limit is reached each month, new certificate deposits will be discontinued until the beginning of the following month. 1New deposits only; must be opened in branch. 2New or existing deposits; must be opened in branch.
| 1 Year | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 1.50% | 1.51% |
| $10,000-$99,999.99 | 1.55% | 1.56% |
| $100,000-$249,999.99 | 1.60% | 1.61% |
| $250,000+ | 1.65% | 1.66% |
| 2 Year | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 1.65% | 1.66% |
| $10,000-$99,999.99 | 1.70% | 1.71% |
| $100,000-$249,999.99 | 1.75% | 1.76% |
| $250,000+ | 1.80% | 1.81% |
| 3 Year | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 2.15% | 2.17% |
| $10,000-$99,999.99 | 2.20% | 2.22% |
| $100,000-$249,999.99 | 2.25% | 2.27% |
| $250,000+ | 2.30% | 2.32% |
| 4 Year | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 2.35% | 2.37% |
| $10,000-$99,999.99 | 2.40% | 2.42% |
| $100,000-$249,999.99 | 2.45% | 2.48% |
| $250,000+ | 2.50% | 2.53% |
| 5 Year Step-Up1 | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 2.40% | 2.43% |
| $10,000-$99,999.99 | 2.45% | 2.48% |
| $100,000-$249,999.99 | 2.50% | 2.53% |
| $250,000+ | 2.55% | 2.58% |
| 5 Year | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $500-$9,999.99 | 2.55% | 2.58% |
| $10,000-$99,999.99 | 2.60% | 2.63% |
| $100,000-$249,999.99 | 2.65% | 2.68% |
| $250,000+ | 2.70% | 2.73% |
Rates effective as of November 20, 2024 and subject to change.
1Business Step-Up Certificates may be stepped-up one time. The step up rate will be determined by the current 5 year standard term certificate rate and will apply to the remaining term of the certificate.
Annual Percentage Yields disclosed assume quarterly compounding for amounts less than $100,000 and monthly compounding for amounts $100,000 and greater. Minimum balance to open certificates $500. (Unless noted) Penalty applies for early withdrawal. New certificate deposits are limited each month. When new certificate deposit limit is reached each month, new certificate deposits will be discontinued until the beginning of the following month.
Membership with a $5 Share Account required.