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Certificates

When you’ve got some time and are ready to earn even more!

Our term certificates offer our highest savings rates and a variety of term lengths to help you build your savings safely while taking advantage of today’s rate environment.

When you open a certificate, you invest a fixed sum of money for a fixed period of time. We offer certificate terms from 6 months to 5 years – AND – you can open a certificate and earn a great rate with as little as $500!

Great For IRA’s Too!

Certificates over 12 months in term can be used for IRA Accounts. 

Stop by any branch to open your certificate and take advantage of our great rates – today! 

CDs & IRA Rates
Type Rate APY1 Conditions
6 Month CD Only 4.41% 4.50% $500 minimum, dividends compounded monthly. Early withdrawal penalty = 90 days dividend.
9 Month CD Only 3.93% 4.00% $500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
12 Month 3.69% 3.75% $500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
18 Month 1.98% 2.00% $500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
24 Month 3.20% 3.25% $500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
36 Month 2.23% 2.25% $500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
48 Month 2.72% 2.75% $500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.
60 Month 2.96% 3.00% $500 minimum, dividends compounded monthly. Early withdrawal penalty = 180 days dividend.

Notes: Rates stated are as of date indicated. Regular Share, Share Draft, Club, Money One and IRA Regular Share are the declared rate for 09/30/2024. All rates subject to change. Certificate rates are subject to change at any time.
1 APY = Annual Percentage Yield