Skip to content

ROUTING # : 251480806  |  Español

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.

AdobeStock 286141873 Preview

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.

  • A safe, reliable way to grow your savings.
  • Have the flexibility to add money at any time.
  • Build wealth without worrying about market ups and downs.

CERTIFICATE SPECIAL

33-Month Certificate 3.60% APY1 A minimum deposit of $10,000 is required to open a Certificate Special.

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.

CD Icons Regular Certificate
Regular Fixed Certificate

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 2/3/2025
Min. Opening DepositTermAPY1Dividend Rate
$1,0006 months3.90%3.844%
1 year3.80%3.747%
18 months2.95%2.918%
2 years3.00%2.967%
30 months3.10%3.065%
3 years3.25%3.211%
4 years3.20%3.162%
5 years3.40%3.357%
$10,00033 months23.80%3.747%
$90,0006 months3.95%3.893%
1 year3.85%3.796%
18 months3.00%2.967%
2 years3.05%3.016%
30 month3.15%3.113%
3 years3.25%3.211%
4 years3.25%3.211%
5 years3.45%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.

CD Icons Bump Up Certificate
Bump Up Certificate

A Bump-Up Certificate allows you to secure a competitive rate while maintaining the option to increase your rate once during the term if rates rise. 

Bump Up Certificate Rates

1One rate increase per certificate
Current as of 2/3/2025
Minimum DepositTermAPY2Dividend Rate
$10,00024 months2.90%2.869%
60 months3.30%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..

CD Icons Grow With Me Certificate
Grow With Me Certificate

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 2/3/2025
BalanceTermAPY1Dividend Rate
Balances to $50,000Until age 186.00%5.870%
Over $50,000Until age 186.00-0.15%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.

CD Icons IRA Certificate
Traditional IRA Certificate

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 2/3/2025
Min. Opening DepositTermAPY*Dividend Rate
$1,0001 year3.85%3.796%
2 years3.05%3.016%
3 years3.30%3.260%
5 years3.45%3.406%
$90,0001 year3.90%3.844%
2 years3.10%3.065%
3 years3.35%3.309%
5 years3.50%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.

CD Icons HSA Certificate
HSA Certificate

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 Rewards
Current as of 2/3/2025
BalanceAPY2Dividend Rate
Over $5,0001.00%0.996%
Balances to $5,0000.20%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

Open and Fund Your Certificate in Minutes.
Grow With Me Certificates cannot be opened online.

We'd be happy to assist you in a branch or by phone, too.

  • Step Number 1

    Open Online

    Park View Members can open a certificate directly in Online and Mobile Banking.

    Log In
  • Step Number 2

    Go to More Services

    Then, select Open a Share, choose your certificate type, and follow the prompts.

  • Step Number 3

    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.

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.  

A woman and her child browse the grocery store, looking at products while managing their shopping list together.

Electrum Checking

Maximize your earnings with Electrum Checking—our high-yield account with no minimum balance fees and no monthly maintenance fees.

An older man and a young boy picking apples together from a tree, illustrating the bond of family and the joy of nature.

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!

An older couple joyfully planting colorful flowers in a pot, showcasing their love for gardening and nature.

Investments

Plan for your future with Park View Financial Advisors2, offering personalized investment strategies to help you reach your financial goals.

Disclosures
1APY = Annual Percentage Yield. Minimum balance to open share certificate varies per certificate. Dividends will be credited to your certificate and compounded every quarter. Early withdrawal from the certificate may result in a penalty. Fees may reduce the earnings on the certificate. You may make additional deposits to the certificate at any time during its term. Deposits for each member are Federally Insured up to $250,000 by the NCUA.
2Securities offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Cetera is under separate ownership from any other named entity. The products are not insured by the FDIC/NCUSIF or any federal government agency; not a deposit or other obligation of, or guaranteed by, the depository institution; subject to investment risks, including loss of the principal amount invested.
Scroll To Top