Certificates

Save smart, not hard.

Certificates are a secret saving powerhouse that require little to no maintenance. Free up some space in your mind and add a little heft to the bag with our easy, breezy certificates.

Rest Assured With These Savings

One of our favorite safe-and-sound savings options is the certificate. These long-term earnings-driven savings accounts come in a variety of options. Choose the term length, withdrawal allowance, and dividends that work for you and start making #moneymoves in your sleep.

Fixed-Rate Certificate

Higher earnings go low maintenance.

Our Fixed Rate Certificate offers competitive rates and earns you quarterly dividends so you can reach your savings goals without thinking too hard about it. If you’re looking for a set-and-forget savings option you can always count on, you’ve found it.

Access Certificate

Like a change jar only better.

Thanks to a fixed rate, our Access Certificate can earn you a lot with just a little over a 12-month term. Drop in $25 to open and maintain, and up your savings game while keeping access to your money.

Smart Start Certificate

A serious savings account made super easy.

Patience pays off in more ways than one. If you’ve got $100 to put away for a few years, this certificate will make the wait worthwhile.

Choice Certificate

Lock in the freedom to bump up your rate.

Our Choice Certificate offers maximum flexibility, allowing you to withdraw funds once, bump up your rates as you go, deposit additional funds, and save over either a 36- or 60-month time frame.

Need a hand?

That's what we are here for! Give us a call and let's chat face-to-face.
Can I add additional deposits to the Fixed Rate Certificate?
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Additional deposit are not allowed in the Fixed Rate Certificate.

What are dividends and how do they work for the Fixed Rate Certificate?
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Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The Fixed Rate Certificate earns divideneds quarterly as long as your account has at least $1,000 deposited in it. It is just another way we like to say thank you to our members for trusting us with your heard earned "dough". To learn more about what the current dividened rate is and our other savings accounts that earn dividends, please see our Rate and Fee Disclosure.

How much does it cost to open a Smart Start Certificate?
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It cost $100 to open a Smart Start Certificate. $100 is the required account minimum balance.

Does the Choice Certificate have any fees?
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The Choice Certificate does not have any service or operating fees. Members must maintain a $1,000 balance in order to keep the account open.

Does the Access Certificate have any fees?
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The Access Certificate does not have any service or operating fees. Members must maintain a $25 balance in order to keep the account open.

Check out our Rate and Fee Disclosure to learn more.

Can I add additional deposits to the Access Certificate?
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Additional deposits are allowed in this account. Each deposit must be a minimum of $5.

What are dividends and how do they work for the Choice Certificate?
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Dividends are extra money that your account earns just by being open and meeting our minimum account dividend earning value. The Choice Certificate earns divideneds quarterly as long as your account has at least $1,000 deposited in it. It is just another way we like to say thank you to our members for trusting us with your heard earned "dough". To learn more about what the current dividened rate is and our other savings accounts that earn dividends, please see our Rate and Fee Disclosure.

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