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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 Dividends earned are compounded daily and paid monthly, and your dividends can be withdrawn early without penalty.*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 3.70%

Save for education expenses with tax-free earnings.*

Minimum Deposit $500
Term 1 year to 5 years
Rate 3.25% to 3.40%

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 3.60%

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-month mark.

Features:

  • 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 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 Executive3.63%3.70%10 Months$100,000
Flex Premier3.53%3.60%10 Months$10,000
Flex Regular3.44%3.50%10 Months$1,000
Regular3.34%3.40%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
Premier3.44%3.50%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
Executive3.53%3.60%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
Dividend RateAPY*TermMinimum Deposit
3.34%3.40%5 Years$500
3.29%3.35%3 Years$500
3.24%3.30%2 Years$500
3.19%3.25%1 Year$500
Account TypeDividend RateAPY*TermMinimum Deposit
Traditional3.34%3.40%5 Years$500
Traditional3.29%3.35%3 Years$500
Traditional3.24%3.30%2 Years$500
Traditional3.19%3.25%1 Year$500
Traditional Premier3.44%3.50%5 Years$10,000
Traditional Premier3.39%3.45%3 Years$10,000
Traditional Premier3.34%3.40%2 Years$10,000
Traditional Premier3.29%3.35%1 Year$10,000
Traditional Executive3.53%3.60%5 Years$100,000
Traditional Executive3.48%3.55%3 Years$100,000
Traditional Executive3.44%3.50%2 Years$100,000
Traditional Executive3.39%3.45%1 Year$100,000
Roth3.34%3.40%5 Years$500
Roth3.29%3.35%3 Years$500
Roth3.24%3.30%2 Years$500
Roth3.19%3.25%1 Year$500
Roth Premier3.44%3.50%5 Years$10,000
Roth Premier3.39%3.45%3 Years$10,000
Roth Premier3.34%3.40%2 Years$10,000
Roth Premier3.29%3.35%1 Year$10,000
Roth Executive3.53%3.60%5 Years$100,000
Roth Executive3.48%3.55%3 Years$100,000
Roth Executive3.44%3.50%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

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* 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.