Step-it-Up Certificate
Take advantage of a rate hike when you invest in our Step-It-Up Certificate! If rates jump up after you open your account, you can step up to the higher rate one time per term. You just decide when and we’ll take care of the rest.
Step-it-Up Certificate
- 30 months
- $500 minimum to open (IRA available)
- Automatic renewal – At maturity, we’ll roll your money into a 24-month certificate.
- Minimum to Open: $500
- Term: 30 Months
- APY*: 2.00%
Compare our Rates to the Big Banks!
Savings Goal Calculator
Use this free savings calculator to help you figure out how your money can grow over time based on APY rate.
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Terms & Conditions
*APY= Annual Percentage Yield (APY). APYs are accurate as of 06/07/2025 and are subject to change without notice.
Step-it-Up Certificate: If the standard rate increases on a 30-month Certificate, you can STEP UP your rate once during the term. At maturity, the Certificate will renew into a 24-month Term Share Certificate at the prevailing rate. $500 minimum. Annual Percentage Yield assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. A penalty will be imposed on early withdrawals from this Certificate. No additional deposits can be made during the term of the Share Certificate. Rates, terms and conditions are solely within the discretion of the Board of Directors. We may limit the amount you may invest in one or more accounts to a total of $1,000,000.