Savings
Share certificates: a rate you can count on
A certificate is savings with a promise in both directions. You agree to leave the money for a set term, and we lock the rate for that whole time. It's made for money with a date on it: next year's tuition, a down payment, the roof in 2028.
- Up to
- 4.05%
- Terms
- 6 to 60
- Minimum
- $500
APY on a 12-month certificate. Terms in months.
A three-rung ladder
SampleSplit $15,000 three ways. One rung matures every year, and you choose each time: spend it, or roll it onto the top of the ladder.
-
$5,000 · 12 months 4.05% APYYear 1
-
$5,000 · 24 months 3.85% APYYear 2
-
$5,000 · 36 months 3.70% APYYear 3
Rates by term
| Term | APY | Minimum |
|---|---|---|
| 6 months | 3.60% | $500 |
| 12 months | 4.05% | $500 |
| 24 months | 3.85% | $500 |
| 36 months | 3.70% | $500 |
| 60 months | 3.55% | $500 |
Sample rates for a fictional credit union, as of October 2026. The rate is fixed for the term once you open the certificate.
What $10,000 earns
| Term | APY | Dividends earned | Balance at maturity |
|---|---|---|---|
| 6 months | 3.60% | $178 | $10,178 |
| 12 months | 4.05% | $405 | $10,405 |
| 24 months | 3.85% | $785 | $10,785 |
| 36 months | 3.70% | $1,152 | $11,152 |
| 60 months | 3.55% | $1,906 | $11,906 |
Math assumes dividends stay in the certificate and compound until maturity. Sample figures only.
How it works, start to finish
-
01
Pick a term
Match it to when you'll need the money. Put in $500 or more.
-
02
Earn a locked rate
Dividends compound monthly, or pay out to your savings as income.
-
03
Decide at maturity
A 10-day grace window lets you add, withdraw, or change terms before it renews.
Early withdrawal costs 90 days of dividends on the amount withdrawn. It never touches your original deposit.
Questions
What members ask about certificates
Need money you can reach anytime instead? High-Yield Savings pays 3.10% APY with no lock-up.
What happens if I need the money early?
You can take it out. The cost is 90 days of dividends on the amount you withdraw. Your original deposit is never touched by the penalty.
What happens when a certificate matures?
You get a 10-day grace window to add money, take it out, or change the term. If you do nothing, it renews for the same term at the rate on that day.
Can I get the dividends paid out?
Yes. Dividends compound monthly by default, or you can have them paid to your savings or checking each month as income.
Build your ladder with a person
Any branch can set up a ladder in one visit. Members 55 and up often pair one with Legacy Checking.