Certificates

Watch your money grow.

Don't work harder - save smarter.

Make your money work for you over time by opening a savings certificate. The longer the term, the more you’ll earn.

IRA Certificates* with Balances of $500 - $2,499.99

Term	Min. to Open	Dividend Rate	APY**
Please visit your local branch to open IRA Certificates. *APY=Annual Percentage Yield. Penalty fees may be incurred for early withdrawals from share certificates. Rates effective as of 1/25/2023. Rates subject to change without notice.
Term 3 Months	Min. to Open $500	Dividend Rate 0.90%	APY** 0.90%
Term 6 Months	Min. to Open $500	Dividend Rate 2.12%	APY** 2.14%
Term 9 Months	Min. to Open $500	Dividend Rate 2.36%	APY** 2.39%
Term 12 Months	Min. to Open $500	Dividend Rate 3.10%	APY** 3.14%
Term 24 Months	Min. to Open $500	Dividend Rate 2.90%	APY** 2.94%
Term 36 Months	Min. to Open $500	Dividend Rate 2.90%	APY** 2.94%
Term 48 Months	Min. to Open $500	Dividend Rate 2.90%	APY** 2.94%
Term 60 Months	Min. to Open $500	Dividend Rate 3.15%	APY** 3.20%
Term 72 Months	Min. to Open $500	Dividend Rate 3.15%	APY** 3.20%

Certificates & IRA Certificates* with Balances of $2,500 - $24,999.99

Term	Min. to Open	Dividend Rate	APY**
Please visit your local branch to open IRA Certificates.*APY=Annual Percentage Yield. Penalty fees may be incurred for early withdrawals from share certificates. Rates effective as of 1/25/23. Rates subject to change without notice.
Term 3 Months	Min. to Open $2,500	Dividend Rate 1.00%	APY** 1.00%
Term 6 Month Propel	Min. to Open $2,500	Dividend Rate 2.22%	APY** 2.24%
Term 9 Month Explore	Min. to Open $2,500	Dividend Rate 2.46%	APY** 2.49%
Term 12 Month Thrive	Min. to Open $2,500	Dividend Rate 3.20%	APY 3.25%**
Term 24 Months	Min. to Open $2,500	Dividend Rate 3.00%	APY** 3.04%
Term 36 Months	Min. to Open $2,500	Dividend Rate 3.00%	APY** 3.04%
Term 48 Months	Min. to Open $2,500	Dividend Rate 3.00%	APY** 3.04%
Term 60 Months	Min. to Open $2,500	Dividend Rate 3.25%	APY** 3.30%
Term 72 Months	Min. to Open $2,500	Dividend Rate 3.25%	APY** 3.30%

APY=annual percentage yield. Penalty fees may be incurred for early withdrawals. Rates subject to change without notice. Restrictions may apply.