Certificates
Park View Certificates
Watch your savings grow as you earn money with a certificate.
A certificate is a smart, secure way to grow your money. With a fixed interest rate and guaranteed returns, certificates offer peace of mind while helping your savings work harder for you. Whether you’re saving for a specific goal or simply looking for a safe investment option, our certificates offer flexible terms, competitive rates, and the security you deserve.

Available Now!
Earn 3.60% APY1 on a 33-Month Certificate Special
Take advantage of this limited-time offer and lock in a competitive rate that helps you achieve your financial goals.
Certificate Options
Build your savings for the long term.
Our high-yield certificates offer guaranteed returns and put your savings on autopilot. Just choose your term and let your certificate go to work for you.
With a Regular certificate, choose from terms ranging from 6 to 60-months, providing flexibility for you and your investment goals.
Regular Fixed Rate Certificates
Current as of 2/3/2025Min. Opening Deposit | Term | APY1 | Dividend Rate |
---|---|---|---|
$1,000 | 6 months | 3.90% | 3.844% |
1 year | 3.80% | 3.747% | |
18 months | 2.95% | 2.918% | |
2 years | 3.00% | 2.967% | |
30 months | 3.10% | 3.065% | |
3 years | 3.25% | 3.211% | |
4 years | 3.20% | 3.162% | |
5 years | 3.40% | 3.357% | |
$10,000 | 33 months2 | 3.80% | 3.747% |
$90,000 | 6 months | 3.95% | 3.893% |
1 year | 3.85% | 3.796% | |
18 months | 3.00% | 2.967% | |
2 years | 3.05% | 3.016% | |
30 month | 3.15% | 3.113% | |
3 years | 3.25% | 3.211% | |
4 years | 3.25% | 3.211% | |
5 years | 3.45% | 3.406% | |
1APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates up to 3-year terms, and a 180-day penalty on early withdrawals from 4 and 5 year term certificates. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. 2At renewal, certificate will auto-renew into current one year certificate unless otherwise designated. Certificates are non-transferable and non-negotiable. |
Bump Up Certificate Rates
1One rate increase per certificateCurrent as of 2/3/2025
Minimum Deposit | Term | APY2 | Dividend Rate |
---|---|---|---|
$10,000 | 24 months | 2.90% | 2.869% |
60 months | 3.30% | 3.260% | |
1One rate increase per certificate term initiated by member. 2APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals from Bump Up certificates up to 3-year terms. A 180-day dividend penalty will be assessed on early withdrawals from Bump Up certificates with terms longer than three years. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.. |
Grow With Me Certificates, for ages 0–17, offer a high APY¹ with a $100 minimum deposit and mature on the member’s 18th birthday.
Grow With Me Certificate Rates
Current as of 2/3/2025Balance | Term | APY1 | Dividend Rate |
---|---|---|---|
Balances to $50,000 | Until age 18 | 6.00% | 5.870% |
Over $50,000 | Until age 18 | 6.00-0.15% | 0.150% |
1APY = Annual Percentage Yield. Dividends paid quarterly. Must be age 17 and under to qualify. $100 minimum deposit. Certificate matures on child's 18th birthday. Certificate rates may change annually in July. A 365-day dividend penalty will be assessed on early withdrawals. Balances over $50,000 will earn a reduced rate of 0.15% APY. Earnings may be reduced by fees. Membership required. |
Crafted exclusively for Individual Retirement Accounts (IRAs), this certificate helps you set aside funds for your retirement years with terms from 1 to 5 years.
Individual Retirement Account (IRA) Certificate Rates
Current as of 2/3/2025Min. Opening Deposit | Term | APY* | Dividend Rate |
---|---|---|---|
$1,000 | 1 year | 3.85% | 3.796% |
2 years | 3.05% | 3.016% | |
3 years | 3.30% | 3.260% | |
5 years | 3.45% | 3.406% | |
$90,000 | 1 year | 3.90% | 3.844% |
2 years | 3.10% | 3.065% | |
3 years | 3.35% | 3.309% | |
5 years | 3.50% | 3.455% | |
*APY = Annual Percentage Yield; Dividends are paid quarterly. Early withdrawals from Traditional IRA certificates will only have a dividend penalty if the account holder is less than 73 years of age. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Take the sting out of big medical bills by setting aside money for everything from doctor's visits to hospital stays.
Health Savings Account (HSA) Rates
1$5 minimum deposit in Park View RewardsCurrent as of 2/3/2025
Balance | APY2 | Dividend Rate |
---|---|---|
Over $5,000 | 1.00% | 0.996% |
Balances to $5,000 | 0.20% | 0.200% |
1$5 minimum deposit in shares account required to open health savings account and earn APY. 2APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. |
Certificate Features
Why open an a Certificate?
Competitive Rates
Enjoy guaranteed returns with fixed, competitive rates.
Flexible Terms
Choose from a variety of terms ranging from 6 months to 5 years.
Low Minimum Deposit
Start saving with as little as $1,000. Different types of certificates offer varying minimum deposit amounts.
NCUA Insured
Rest easy knowing your deposit is insured up to $250,000.
Automatic Renewal Options
When your certificate matures, choose to renew automatically.
Guaranteed Returns
Your rate is locked in for the term, ensuring predictable, risk-free growth.
How to Open Your Certificate
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Open Online
Park View Members can open a certificate directly in Online and Mobile Banking.
Log In -
Go to More Services
Then, select Open a Share, choose your certificate type, and follow the prompts.
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Fund Your Certificate
Add funds instantly through Online Banking or the Mobile App and start earning today!
All About Certificates
What to Know Before Opening a Certificate
Check out some of these frequently asked questions to determine if a Certificate is right for you!
- For New Members: You can open a certificate as part of the membership application process.
- For Current Members: Open share certificates directly through Online or Mobile Banking under the More Services tab. You can also schedule an appointment any branch location or call us for assistance.
Certificate dividends are paid out quarterly and can accumulate compound interest or be deposited into any share including your Park View Rewards account.
Withdrawing funds from a certificate before it matures will result in a dividend penalty. The penalty is a percentage of the amount withdrawn and varies based on the certificate term:
- 6-month to 3-year terms: 90-day dividend penalty
- 4-year and 5-year terms: 180-day dividend penalty
- Grow With Me certificates: 365-day dividend penalty
The shorter the term, the smaller the penalty.
You will be notified prior to your certificate maturing. Park View certificates have a 10-day grace period, during which you may change the term or withdraw the funds. If no response is received, the funds will be automatically renewed into a 1-year certificate.
Share certificates are very secure. You can earn a guaranteed rate of return and your money is insured up to $250,000 by the NCUA.
Need more ways to save?
At Park View, we offer a variety of smart savings tools to fit your financial goals. Explore your options.
Electrum Checking
Maximize your earnings with Electrum Checking—our high-yield account with no minimum balance fees and no monthly maintenance fees.
Money Market Account
Grow your savings with a Money Market Account, offering convenient access to your funds. Plus, enjoy even better rates when paired with Electrum Checking!
Investments
Plan for your future with Park View Financial Advisors2, offering personalized investment strategies to help you reach your financial goals.