Certificate rates

Current CD Specials

Certificates can help you save for the future with both short- and long-term options, typically with an Annual Percentage Yield (APY) that is higher than a regular savings account.1
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4.50% APY for 6 months

($1,000 minimum to open;
for new and existing money)1

4.00% APY for 14 months

($10,000 minimum to open,
for new and existing money)1

4.00% APY for 36 months

($1,000 minimum to open;
for new and existing money)1

Regular Certificates

Term Dividend Rate APY*
3 Month 0.995% 1.00%
6 Month 1.243% 1.25%
12 Month 1.490% 1.50%
18 Month 1.982% 2.00%
24 Month 2.129% 2.15%
36 Month 2.227% 2.25%
48 Month 2.472% 2.50%
60 Month 2.960% 3.00%

IRA Certificates

Term Dividend Rate APY*
3 Month 0.995% 1.00%
6 Month 1.243% 1.25%
12 Month 1.490% 1.50%
18 Month 1.982% 2.00%
24 Month 2.129% 2.15%
36 Month 2.227% 2.25%
48 Month 2.472% 2.50%
60 Month 2.960% 3.00%
1. Offer and rate valid as of November 1, 2024, and may be cancelled without notice. Membership and eligibility requirements apply. Fees may reduce earnings. Initial deposit cannot exceed $5 million per member or $10 million per address. The stated APY (Average Percentage Yield) is based on the assumption that the funds will remain in the certificate until maturity. Penalties may apply for withdrawal of funds before maturity. Contact employees for further information on fees and terms.

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