Certificate Accounts
Start earning more on your hard earned money! Share Certificates offer you a variety of terms and rates. Whether saving for a short term purchase, as little as 6 months, or saving for the long term, up to 60 months, we offer a certificate that will match your needs.
The National Credit Union Administration (NCUA), a U.S. government agency, insures your account up to $250,000 per member. When your accounts exceed $250,000, the maximum level of coverage provided through NCUA, you are also insured up to an additional $250,000. Your board of directors has chosen to provide this exceptional level of insurance through a private company. This supplemental insurance is provided by Excess Share Insurance (ESI) Corporation. ESI is a subsidiary of American Share Insurance, the nation's largest private deposit insurer for credit unions. Excess share insurance is available only to credit unions meeting the company's rigid requirements and standards of performance.
Share Certificates and IRA Share Certificates
Insured up to $500,000: federally insured up to $250,000 by NCUA, and insured up to an additional $250,000 by ESI, a private insurer.
Share Certificates and IRA Share Certificates - Insured up to $500,000: federally insured up to $250,000 by NCUA, and insured up to an additional $250,000 by ESI, a private insurer.
Rates effective as of 10/16/2026
| Account Term | Minimum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| 7 Month *Special* | $1,000.00 | 4.00% | 4.00% |
| 13 Month *Special* | $1,000.00 | 4.25% | 4.32% |
| 21 Month *Special* | $1,000.00 | 3.50% | 3.55% |
| 35 Month *Special* | $1,000.00 | 4.50% | 4.58% |
| 59 Month *Special* | $1,000.00 | 3.50% | 3.55% |
| 6 Month | $1,000.00 | 0.60% | 0.60% |
| 12 Month | $1,000.00 | 0.70% | 0.70% |
| 12 Month Youth Velocity | $300.00 | 0.95% | 0.95% |
| 18 Month | $1,000.00 | 0.75% | 0.75% |
| 24 Month | $1,000.00 | 0.80% | 0.80% |
| 36 Month | $1,000.00 | 0.85% | 0.85% |
| 48 Month | $1,000.00 | 0.90% | 0.90% |
| 60 Month | $1,000.00 | 1.50% | 1.51% |
Early withdrawal on share certificates may affect dividends earned. Deposits are insured to at least $250,000 through the National Credit Union Administration, a federal agency. Deposits are insured up to an additional $250,000 through ESI, a private insurer
