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.
| $500-24,999 | $25,000-49,999 | $50,000-74,999 | $75,000-99,999 | $100,000+ | |
|---|---|---|---|---|---|
| 3 Month | 2.00% APY | 2.00% APY | 2.05% APY | 2.05% APY | 2.10% APY |
| 5 Month Special* | 5.10% APY | 5.10% APY | 5.10% APY | 5.10% APY | 5.10% APY |
| 6 Month | 4.00% APY | 4.00% APY | 4.05% APY | 4.05% APY | 4.10% APY |
| 12 Month | 4.50% APY | 4.50% APY | 4.55% APY | 4.55% APY | 4.60% APY |
| 15 Month Special*** | 4.70% APY | 4.70% APY | 4.75% APY | 4.75% APY | 4.80% APY |
| 18 Month | 4.50% APY | 4.50% APY | 4.55% APY | 4.55% APY | 4.60% APY |
| 22 Month Special**** | 4.50% APY | 4.50% APY | 4.55% APY | 4.55% APY | 4.60% APY |
| 24 Month | 4.25% APY | 4.25% APY | 4.30% APY | 4.30% APY | 4.35% APY |
| 36 Month | 3.85% APY | 3.85% APY | 3.90% APY | 3.90% APY | 3.95% APY |
| 48 Month | 3.70% APY | 3.70% APY | 3.75% APY | 3.75% APY | 3.80% APY |
| 60 Month | 3.70% APY | 3.70% APY | 3.75% APY | 3.75% APY | 3.80% APY |
*5 Month Special - No broker funds.
**15 Month Special is a one-time bump certificate and is for new money and rollovers. No broker funds.
***22 Month Special is a one-time bump certificate and is for new money and rollovers. No broker funds.