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Savings Certificates

Boost the Growing Power of Your Savings

Savings Certificates earn higher rates of interest when you deposit more money for a longer term. Dividends earned are compounded daily and paid monthly, and your dividends can be withdrawn early without penalty.*

Not sure what type of savings account is right for you? Learn more about savings accounts.

Grow your money safely at a higher rate than a standard savings account.

Minimum Deposit $500 to $100,000
Term 6 months to 5 years
Rate 0.30% to 1.00%

Save for education expenses with tax-free earnings.*

Minimum Deposit $500 to $100,000
Term 1 year to 5 years
Rate 0.45% to 1.00%

A traditional or Roth IRA invested entirely in certificates provides a secure retirement investment option.

Minimum Deposit $500 to $100,000
Term 6 months to 5 years
Rate 0.45% to 0.95%

Flex Savings Certificates

Want the security of a certificate with the ability to earn a higher rate down the road? Flex Savings Certificates offer that and the flexibility to access your funds at the five-month mark.


  • Same rates as 1-year Regular and Premier Certificates and 10-month Executive Certificates.
  • Add or withdraw funds with no penalty during a 10-day window at the 5-month mark (amount must stay at or above minimum).
  • Automatic rate increase at the 5-month mark if rates for 1-year certificates have increased.
  • Optional automatic renewal to keep your savings growing.

Need Help Opening an Account?

Open a Savings Certificate through Digital Banking, visit your local branch or call us at 1-800-634-6632.

Open Now

Account TypeDividend RateAPY*TermMinimum Deposit
Flex Executive0.45%0.45%10 Months$100,000
Flex Premier0.45%0.45%10 Months$10,000
Flex Regular0.45%0.45%10 Months$1,000
Regular1.00%1.00%5 Years$500
Regular0.65%0.65%3 Years$500
Regular0.55%0.55%2 Years$500
Regular0.45%0.45%1 Year$500
Regular0.30%0.30%6 Months$500
Premier0.85%0.85%5 Years$10,000
Premier0.65%0.65%3 Years$10,000
Premier0.55%0.55%2 Years$10,000
Premier0.45%0.45%1 Year$10,000
Premier0.30%0.30%6 Months$10,000
Executive0.85%0.85%5 Years$100,000
Executive0.95%0.95%3 Years$100,000
Executive0.55%0.55%2 Years$100,000
Executive0.45%0.45%1 Year$100,000
Executive0.35%0.35%6 Months$100,000
Dividend RateAPY*TermMinimum Deposit
1.00%1.00%5 Years$500
0.65%0.65%3 Years$500
0.55%0.55%2 Years$500
0.45%0.45%1 Year$500
Account TypeDividend RateAPY*TermMinimum Deposit
Traditional0.85%0.85%5 Years$500
Traditional0.65%0.65%3 Years$500
Traditional0.55%0.55%2 Years$500
Traditional0.45%0.45%1 Year$500
Traditional Premier0.85%0.85%5 Years$10,000
Traditional Premier0.65%0.65%3 Years$10,000
Traditional Premier0.55%0.55%2 Years$10,000
Traditional Premier0.45%0.45%1 Year$10,000
Traditional Executive0.85%0.85%5 Years$100,000
Traditional Executive0.95%0.95%3 Years$100,000
Traditional Executive0.55%0.55%2 Years$100,000
Traditional Executive0.45%0.45%1 Year$100,000
Roth0.85%0.85%5 Years$500
Roth0.65%0.65%3 Years$500
Roth0.55%0.55%2 Years$500
Roth0.45%0.45%1 Year$500
Roth Premier0.85%0.85%5 Years$10,000
Roth Premier0.65%0.65%3 Years$10,000
Roth Premier0.55%0.55%2 Years$10,000
Roth Premier0.45%0.45%1 Year$10,000
Roth Executive0.85%0.85%5 Years$100,000
Roth Executive0.95%0.95%3 Years$100,000
Roth Executive0.55%0.55%2 Years$100,000
Roth Executive0.45%0.45%1 Year$100,000

Saving Certificates FAQ

Savings Account Basics


Savings Account Basics

Get an overview of savings accounts, including lessons on setting savings goals and how to choose a savings account.

* Fees may reduce earnings. A penalty will be imposed for early withdrawal from term share accounts. Contributions are limited to $2,000 per year. Terms and conditions subject to change.