Why a Certificate?
Certificates are a simple way of investing your savings. You agree to keep a certain amount of money in an account for a certain amount of time and are rewarded with a higher rate of return than our savings accounts.
These rates also apply to the Term Certificates for IRA’s, SEP Plans, and Coverdell Education Savings Accounts. Minimum balance is $500 for Term Certificates.
| Term | Rate APY |
|---|---|
| 3 Month | 2.00% |
| 5 Month Special* | 4.00% |
| 6 Month Special** | 3.80% |
| 6 Month | 4.00% |
| 12 Month | 4.00% |
| 18 Month | 4.00% |
| 24 Month | 3.90% |
| 36 Month | 3.90% |
| 48 Month | 3.90% |
| 60 Month | 3.95% |
*5 Month Special - No broker funds.
**6 Month - No early withdrawal penalties.