certificates that help you earn a steady return

Get Guaranteed Earnings with a Certificate

Earn a set rate and build your savings with ease. Just pick, deposit, and grow!

12 Month Certificate

3.95% APY*

Annual Percentage Yield

Open Account

Certificate Details

  • $500 minimum deposit2
  • Monthly dividends
  • Rollover at maturity

18 Month Certificate

3.85% APY*

Annual Percentage Yield

Open Account

Certificate Details

  • $500 minimum deposit2
  • Monthly dividends
  • Rollover at maturity

24 Month Certificate

3.65% APY*

Annual Percentage Yield

Open Account

Certificate Details

  • $500 minimum deposit2
  • Monthly dividends
  • One-time bump up
  • Rollover at maturity

EasySaver Certificate

3.25% APY*

Annual Percentage Yield

Coming Soon

Certificate Details

  • $10 minimum deposit per month
  • Monthly dividends
  • Requires automatic deposits
  • Annual maturity on open date

Certificate Calculator

Calculate the future value of your certificate deposits.

Certificate Summary

Initial Deposit: $0.00
Interest Earned: $0.00
Maturity Value: $0.00
APY: 0.00%
Maturity Date: –
Effective Annual Rate: 0.00%

Disclaimer: These calculations are estimates for comparison purposes only. Actual rates and terms may vary. Early withdrawal penalties may apply.

Frequently Asked Questions

Think of a certificate like a savings account that works harder for you. You deposit funds, leave them alone for a set time, and in return, you earn a higher interest rate.

A certificate earns a significantly higher interest rate than a traditional savings account and while savings accounts generally allow funds to be added and withdrawn freely, a certificate does not.

A Standard Certificate requires a $500 minimum deposit and earns a fixed rate based on the selected term. Funds are deposited once at account opening and remain in place until certificate maturity.

EasySaver Certificates require a $10 minimum deposit and mature annually. You must set up automatic monthly deposits of at least $10 to keep the EasySaver Certificate open, and you can increase that amount at any time.

Once your certificate has matured, your 10-day grace period begins. For a standard certificate, you can roll the funds into a new certificate with the latest term and rates available, or transfer to another investment or account based on your savings strategy.

For the EasySaver certificate, you can withdraw the funds or leave them in place to keep growing. Because this certificate matures on the anniversary of its open date, it’s a smart way to save for expenses that happen every year like taxes, tuition, vacation and more. You can even open more than one to dedicate to different goals. It’s saving made simple.

You will receive written notification when your certificates mature.

Certificates offer a higher percentage yield, in return for limited access to the funds.

Early EasySaver Certificate withdrawals come with penalties of 25% of the original deposit, and early standard certificate withdrawals come with penalties of 50% of the remaining unearned interest or 180 days worth of interest.

Thinking about an early withdrawal? We’re here to help you make informed decisions on your finances. Call or stop by your local branch to discuss your options.

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Savings Accounts

Grow more than a balance, grow peace of mind. Be ready for every opportunity life hands you.

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Investing Services

It all starts with a plan. We can help you put steps in place to diversify and save.

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Money Market Accounts

Flexible and free ways to earn more. Get a higher return with more ways to access your funds.

*APY: Annual Percentage Yield. Rates effective 5/30/2025, and are subject to change daily. See FSO for details.
2Initial deposit cannot exceed $1,000.00.