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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 Dividends earned are compounded daily and paid monthly, and your dividends can be withdrawn early without penalty.*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 3.25% to 4.60%

Save for education expenses with tax-free earnings.*

Minimum Deposit $500
Term 1 year to 5 years
Rate 3.25% to 4.60%

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

Minimum Deposit $500 to $100,000
Term 1 year to 5 years
Rate 3.25% to 4.60%

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 or ten month mark depending on the Flex CD you have.

Features:

  • Penalty-free deposits and withdrawals allowed during a 10-day window at month 5 or 10 depending on the Flex CD you have (amount must stay at or above minimum).
  • Automatic rate increase at the 5 or 10 month mark if rates for our Flex 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 Executive3.73%3.80%10 Months$100,000
Flex Premier3.63%3.70%10 Months$10,000
Flex Regular3.53%3.60%10 Months$1,000
Regular4.50%4.60%5 Years$500
Regular3.29%3.35%3 Years$500
Regular3.24%3.30%2 Years$500
Regular3.19%3.25%1 Year$500
Regular3.19%3.25%6 Months$500
Premier4.50%4.60%5 Years$10,000
Premier3.39%3.45%3 Years$10,000
Premier3.34%3.40%2 Years$10,000
Premier3.29%3.35%1 Year$10,000
Premier3.29%3.35%6 Months$10,000
Executive4.50%4.60%5 Years$100,000
Executive3.48%3.55%3 Years$100,000
Executive3.44%3.50%2 Years$100,000
Executive3.39%3.45%1 Year$100,000
Executive3.39%3.45%6 Months$100,000

Limited Time Offer

Account TypeDividend RateAPY*TermMinimum Deposit
Flex Executive3.92%4.00%20 Months$100,000
Flex Premier3.82%3.90%20 Months$10,000
Flex Regular3.73%3.80%20 Months$1,000
Dividend RateAPY*TermMinimum Deposit
4.50%4.60%5 Years$500
3.29%3.35%3 Years$500
3.53%3.60%2 Years$500
3.19%3.25%1 Year$500
Account TypeDividend RateAPY*TermMinimum Deposit
Traditional4.50%4.60%5 Years$500
Traditional3.29%3.35%3 Years$500
Traditional3.53%3.60%2 Years$500
Traditional3.19%3.25%1 Year$500
Traditional Premier4.50%4.60%5 Years$10,000
Traditional Premier3.39%3.45%3 Years$10,000
Traditional Premier3.63%3.70%2 Years$10,000
Traditional Premier3.29%3.35%1 Year$10,000
Traditional Executive4.50%4.60%5 Years$100,000
Traditional Executive3.48%3.55%3 Years$100,000
Traditional Executive3.73%3.80%2 Years$100,000
Traditional Executive3.39%3.45%1 Year$100,000
Roth4.50%4.60%5 Years$500
Roth3.29%3.35%3 Years$500
Roth3.53%3.60%2 Years$500
Roth3.19%3.25%1 Year$500
Roth Premier4.50%4.60%5 Years$10,000
Roth Premier3.39%3.45%3 Years$10,000
Roth Premier3.63%3.70%2 Years$10,000
Roth Premier3.29%3.35%1 Year$10,000
Roth Executive4.50%4.60%5 Years$100,000
Roth Executive3.48%3.55%3 Years$100,000
Roth Executive3.73%3.80%2 Years$100,000
Roth Executive3.39%3.45%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.

Learn More

More Ways to Save

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Savings Accounts

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Money Market

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IRAs

* 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.