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Rates Calculator

Haven’t touched your savings in a few years? Cash in on a higher rate with a guaranteed share certificate. Get started with just $500.

Key Features

Fixed Rates

No Monthly Fees

  • Fixed rates, above standard savings
    • Dividends typically paid at maturity for terms less than 1 year
    • Dividends typically paid monthly for terms of 1 year or more
  • Receive an even higher rate by selecting a longer term
  • Locked-in rates provide more guarantee than other risky investments
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • $500 minimum deposit to open
  • NCUA insured
  • Additional deposit insurance in the amount of $250,000 provided through ESI
  • Available in 1, 2 or 3-year terms
  • Allow you to bump up your rate to the prevailing Flex-Term Certificate rate one time during the life of your certificate upon request
  • While these certificates pay a slightly lower rate than our regular Certificates, they allow you to take advantage of better rates should rates increase during your term
  • You are allowed one rate bump per certificate during the given term