Certificates offer a secure investment if you can set aside your savings for a fixed period. Let your money work for you! Share Certificates (SC) are available in various terms and can yield higher rates than many traditional savings accounts. View our rates.

  • $1,000 minimum deposit requirements for most.
  • Dividends compounded and credited to your account quarterly.
  • Choice for automatic renewal or disbarment at maturity.
  • Available as Traditional or Roth IRAs.

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Specialty Certificates

Flex Certificates provide a steady growth option for those looking to continually add to their savings and safeguard against declining rates, while Bump-Up Certificates offer rate flexibility for those wary of rising interest rates. Talk to one of our financial consultants today!

Flex Certificates

Flex Certificates are specialized savings accounts that allow for continuous deposits over the duration of the certificate’s term. Unlike traditional share certificates (SCs), where the initial deposit is fixed and no further contributions can be made, Flex Certificates enable savers to add funds at their convenience. This feature ensures that additional savings can benefit from the same interest rate as the original deposit, which can be particularly valuable in a fluctuating interest rate environment.

Bump-Up Certificates*

Bump-Up Certificates are a type of time deposit similar to traditional share certificates (SCs). However, they come with a significant advantage: the ability to “bump up” the interest rate if market rates rise. This feature provides investors with the peace of mind to commit to longer-term certificates without the fear of missing out on potential rate increases.

After the certificate is opened, you may not make additions into the account until the maturity date stated on the account unless it is a Flex Certificate option. Early withdrawal penalties — the penalty we may impose will equal half the term’s dividends on the amount withdrawn subject to penalty. Maturity — This certificate will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew or you withdraw the funds in the account at maturity. Each renewal term will be the same as the original term, beginning on the maturity date.