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Term Share Certificates

Our Term Share Certificates offer you flexibility with guaranteed returns.  With terms from 6 months to 5 years, you can choose to have interest compounded or automatically deposited into your checking or savings account

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Term Share Certificates

  • Terms from 6 months to 5 years
  • $1,000 minimum to open (IRA available) 
  • Dividends are compounded daily and paid monthly 
  • Choose to have interest compounded or automatically deposited into your checking or savings account.
  • Automatic renewal

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.  

Term Share CD FAQs

What types of Certificates do you offer?

We offer a variety of Certificate options:

Welcome Certificate – Our highest rate with terms that range from $500 to $250,000

Liquid Certificate – A penalty-free CD with terms from $2000 to $250,000

Step-it-Up Certificate – You can take advantage of a rate hike once per term. $500 minimum to open.

Term Share Certificates – With terms from six months to five years, you get to choose how much you’ll earn.

Can I add funds to my Certificate once opened?

Once your Certificate is opened, you cannot add funds until your Certificate matures. When your Certificate matures, you’ll have a 7-calendar day grace period — starting on your maturity date — to transfer funds or make other changes.

What happens to my Certificate at maturity?

There is a 7-calendar day grace period starting on your maturity date to:  

  • Change the term  
  • Make additional deposits or withdraw funds  
  • Close the Certificate

After your 7-day grace period, your Certificate will automatically renew into the same term if you don’t make any changes. Exceptions are:  
Welcome Certificate and Liquid Certificate will renew into a 12-month Term Share Certificate at the prevailing rate  

Step-it-Up will renew into a 24-month Term Share Certificate at the prevailing rate.

Terms & Conditions

*APY = Annual Percentage Yield. APYs are accurate as of 06/18/2024 and are subject to change without notice. 

Term Share Certificates: 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 Certificates. No additional deposits can be made during the term of the Term 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.