Term Certificates

We offer different terms for our Term Share Certificate (Certificate of Deposits) ranging from 12 months to 60 months. All terms are offered at competitive rates and options are given to increase the dividend being paid based on your balance and relationship with the Credit Union.

Standard Term Certificates

Earn higher dividends on a fixed rate and term with a minimum deposit of $2,000. Terms range between 12 to 60 months.

View Fee Schedule

Certificate Accounts

Rates current as of and subject to change.
Term Share, Traditional IRA, Roth IRA, and Educational IRATerm Share, Traditional IRA, Roth IRA, and Educational IRA$2,000-$49,000$50,000-$89,000$90,000and up
 12 - 23 Months 0.20% 0.20% 0.32% 0.32% 0.399% 0.40%
24 - 35 Months 0.30% 0.30% 0.33% 0.33% 0.499% 0.50%
36 - 47 Months 0.399% 0.40% 0.529% 0.53% 0.797% 0.80%
48 - 59 Months 0.60% 0.602% 0.728% 0.73% 0.995% 1.00%
60 Months 0.75% 0.752% 0.926% 0.93% 1.292% 1.30%
Special Relationship Certificate (12 months) 2.472%  2.50%        
Special 18 Month IRA 0.449%  0.45%        

Printable Rate Sheet Calculators

Terms and conditions

*Annual Percentage Rates (APR) and Yields (APY) effective April 25, 2016. Rates and Terms are subject to change without notice.

IRAs may be transferred from another institution or rolled over from another savings plan. (A) Dividends are calculated on your daily balance. Dividends will compound quarterly. (B) Dividends on Share Checking and Premium Money Market Accounts are based on your daily balance, and will compound monthly. Rates shown for (A) and (B) are anticipated only, since dividends are paid from available earnings declared at the end of the dividend period. (C) For any child up to age 18. Available only with direct deposit to checking account. Contribute up to $50 a month by automatic transfers from checking only. No other types of deposits accepted for this special account. $2,000 annual contribution limit. Withdrawals are tax free for education expenses.

APY (Annual Percentage Yield) effective 7/1/11 and subject to change. Minimum opening certificate balance is $5,000, up to a maximum balance of $50,000. Additional deposits permitted during term up to $50,000 maximum. Available for members meeting stated account requirements. Relationship Certificates cannot be used for Individual Retirement Accounts. Early withdrawals are subject to normal penalties. This offer is subject to cancellation at anytime. Other discounts, including Relationship Rewards, cannot be combined with this offer. If at any time all of the minimum requirements/balances are not met, funds in the Relationship Certificate will be transferred to Regular Shares at the current APY for Regular Share accounts.