Certificates

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A smart investment for your future

 

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Security you can trust

security

You've worked hard for your money. Your money should work just as hard for you. Our certificates offer competitive rates which help you earn higher interest in a secure way.

 

  • Certificates are federally insured by NCUA up to $250,000, additional amounts are insured by MSIC
  • Rates are locked in at opening and guaranteed for the term of the certificate

 

 

 

Earn more for your money

earn more
  • Enjoy higher rates of return than with traditional savings or club accounts
  • Certificate rates are kept competitive to earn you more
  • Interest is compounded daily and posted monthly
  • Interest may be transferred to another share account or mailed to you without penalty

 

 

 

Current rates

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Rates subject to change without prior notice. Fees may reduce earnings where applicable. Rates current as of February 22, 2020.

 

Type

Rate

APY*

Min. Balance

3 month

0.55%

0.55%

$1,000.00

6 months

0.80%

0.80%

$1,000.00

12 months

1.50%

1.51%

$500.00

24 months

1.70%

1.71%

$500.00

36 months

1.85%

1.87%

$500.00

48 months

1.90%

1.92%

$500.00

60 months

2.10% 2.12% $500.00

 

*APY = Annual Percentage Yield. Penalty may be imposed for early withdrawal. Compounds daily.

 

 

 

Early withdrawals

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Certificates help you earn such a high rate since the funds are "locked in" for the term. Early withdrawals may be made if needed, but a penalty will apply. Penalties are as follows:

 

  • Certificates with terms of 1 year or less: 1 month's interest
  • Certificates with terms of more than 1 year: 3 months' interest

 

 

 

 

Open your Certificate

 

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