Certificate Rates

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.

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..

¹Annual Percentage Yield (APY) is accurate as of 4/1/2026 and is subject to change. Dividend rate and APY may vary. Dividends are paid quarterly. Eligibility is limited to account holders age 17 and under. A minimum deposit of $100 is required at account opening. The certificate will mature on the account holder’s 18th birthday. Early withdrawals are subject to a penalty equal to 365 days of dividends. However, starting at age 15, the joint owner may close the certificate in full without penalty. Balances exceeding $50,000 will earn a reduced rate of 0.15% APY. Fees may reduce earnings.

*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.