Certificates

Certificates ($500 Minimum Balance) 8/3/2020

Dividend APY*
3 Months0.2000.200
6 Months0.3000.300
12 Months0.4490.450
18 Months0.5490.550
24 Months0.6480.650
36 Months0.8470.850
48 Months0.9961.000
60 Months1.0951.100

Premium Certificates ($10,000 Minimum Balance)Rates Effective: 8/3/2020

Dividend APY*
3 Months0.3000.300
6 Months0.3990.400
12 Months0.5490.550
18 Months0.6480.650
24 Months0.7480.750
36 Months0.9470.950
48 Months1.0951.100
60 Months1.1951.200

Jumbo Certificates ($100,000 Minimum Balance)Rates Effective: 8/3/2020

Dividend APY*
12 Months0.5490.550
24 Months0.7480.750
36 Months0.9470.950

*Quoted Annual Percentage Yield (APY) assumes dividends earned are paid and compounded quarterly to the Certificate and remain on deposit at maturity.  If dividends are paid to any other account or withdrawn prior to the Maturity Date, the APY will vary slightly.  A withdrawal of dividends will reduce earnings.  See Certificate Account Disclosure for additional information.
Dividends can be paid to a Certificate, Share Savings Account, Money Market Savings Account or Checking Account. 
IRA and HSA Certificates are also available. Dividends earned on HSA Certificates must be paid to the Certificate. Dividends earned on Traditional and Roth IRA Certificates can be paid to any IRA of the same type.
Early Withdrawal Penalties: All Certificates are subject to early withdrawal penalties. The registered owner(s) contracts to keep the funds deposited until Maturity Date. If any or all of the Certificate original amount is withdrawn before the Maturity Date, federal regulation requires the credit union to charge a penalty. If your account has an original maturity of less or equal to 12 months, the penalty amount equivalent is up to 3 months' dividends. If your account has an original maturity of 13 to 47 months, the penalty amount equivalent is up to 6 months' dividends. If your account has an original maturity of greater than or equal to 48 months, the penalty amount equivalent is up to 12 months' dividends.
At our discretion, dividend rates are subject to change on the first business day of each week and the first business day of each month (unless otherwise noted).
Truth in Savings Disclosure

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