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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 Dividends earned are compounded daily and paid monthly, and your dividends can be withdrawn early without penalty.*

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 0.45% to 1.10%

Save for education expenses with tax-free earnings.*

Minimum Deposit $500
Term 1 year to 5 years
Rate 0.50% 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 0.50% to 1.00%

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
18 Month0.75%0.75%18 Months$500
Flex Executive0.80%0.80%10 Months$100,000
Flex Premier0.75%0.75%10 Months$10,000
Flex Regular0.75%0.75%10 Months$1,000
Regular1.00%1.00%5 Years$500
Regular0.80%0.80%3 Years$500
Regular0.70%0.70%2 Years$500
Regular0.65%0.65%1 Year$500
Regular0.45%0.45%6 Months$500
Premier1.00%1.00%5 Years$10,000
Premier0.80%0.80%3 Years$10,000
Premier0.70%0.70%2 Years$10,000
Premier0.65%0.65%1 Year$10,000
Premier0.45%0.45%6 Months$10,000
Executive1.10%1.10%5 Years$100,000
Executive0.85%0.85%3 Years$100,000
Executive0.75%0.75%2 Years$100,000
Executive0.70%0.70%1 Year$100,000
Executive0.55%0.55%6 Months$100,000
Dividend RateAPY*TermMinimum Deposit
1.00%1.00%5 Years$500
0.70%0.70%3 Years$500
0.60%0.60%2 Years$500
0.50%0.50%1 Year$500
Account TypeDividend RateAPY*TermMinimum Deposit
Traditional1.00%1.00%5 Years$500
Traditional0.70%0.70%3 Years$500
Traditional0.60%0.60%2 Years$500
Traditional0.50%0.50%1 Year$500
Traditional Premier1.00%1.00%5 Years$10,000
Traditional Premier0.70%0.70%3 Years$10,000
Traditional Premier0.60%0.60%2 Years$10,000
Traditional Premier0.50%0.50%1 Year$10,000
Traditional Executive1.00%1.00%5 Years$100,000
Traditional Executive0.75%0.75%3 Years$100,000
Traditional Executive0.65%0.65%2 Years$100,000
Traditional Executive0.55%0.55%1 Year$100,000
Roth1.00%1.00%5 Years$500
Roth0.70%0.70%3 Years$500
Roth0.60%0.60%2 Years$500
Roth0.50%0.50%1 Year$500
Roth Premier1.00%1.00%5 Years$10,000
Roth Premier0.70%0.70%3 Years$10,000
Roth Premier0.60%0.60%2 Years$10,000
Roth Premier0.50%0.50%1 Year$10,000
Roth Executive1.00%1.00%5 Years$100,000
Roth Executive0.75%0.75%3 Years$100,000
Roth Executive0.65%0.65%2 Years$100,000
Roth Executive0.55%0.55%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.