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Set It, Forget It, Watch It Grow

When you open a Share Certificate, you're committing to keep your money on deposit for a set term — and in return, you'll earn a higher, more competitive dividend rate than a traditional savings account. It's a safe and secure way to grow your savings, without the risks associated with investing in the market.

We offer both Share Certificates and IRA Share Certificates, with a range of term lengths and minimum deposit options to match your financial goals.

Dividends are compounded and credited directly to your certificate, or you can choose to have them deposited into your savings or checking account — giving you control over how you manage your earnings.

Please note: early withdrawal penalties apply if funds are accessed before the certificate matures. Be sure to review Our Rates and Service Charges for complete details before opening.

Share & IRA Certificate Rates

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share certificate specials

Share Certificate Specials

Smart Saver Share Certificate

A 12-month share certificate that allows you to make additional deposits during the term of the certificate. 

4.25% APY* 8 Month Certificate 

Lock in a high rate with our limited-time 8 Month Certificate special.

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Individual Retirement Accounts

  • Traditional IRA  
  • Roth IRA

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Individual retirement accounts

 

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