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Online Banking

Share Certificates

A Share Certificate is an account that typically offers a higher interest rate than a savings or checking account. However, the money must remain in the certificate for a predetermined length of time, known as the certificate’s term. Withdrawing the money before the end of the term will incur penalties. Certificate terms are from 6-60 months. Longer terms generally have higher interest rates.

  
  Product
    Dividend/Interest Rate
    APY*
    Term
  

  6-Month Certificate
    3.93
    4.00
    6 Months
  

  12-Month Certificate
    3.45
    3.50
    12 Months
  

  18-Month Certificate
    2.72
    2.75
    18 Months
  

  24 Month Certificate
    2.72
    2.75
    24 Months
  

  36-Month Certificate
    2.72
    2.75
    36 Months
  

  48-Month Certificate
    2.72
    2.75
    48 Months
  

  60-Month Certificate
    2.72
    2.75
    60 Months
  