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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 Dividends earned are compounded daily and paid monthly, and your dividends can be withdrawn early without penalty.*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 1.31% to 2.78%

Save for education expenses with tax-free earnings.*

Minimum Deposit $500
Term 1 year to 5 years
Rate 1.71% to 2.78%

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 1.71% to 2.78%

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 Executive1.85%1.87%10 Months$100,000
Flex Premier1.80%1.81%10 Months$10,000
Flex Regular1.80%1.81%10 Months$1,000
Regular2.30%2.32%5 Years$500
Regular1.90%1.92%3 Years$500
Regular2.75%2.78%2 Years$500
Regular1.70%1.71%1 Year$500
Regular1.30%1.31%6 Months$500
Premier2.30%2.32%5 Years$10,000
Premier1.90%1.92%3 Years$10,000
Premier2.75%2.78%2 Years$10,000
Premier1.70%1.71%1 Year$10,000
Premier1.30%1.31%6 Months$10,000
Executive2.35%2.38%5 Years$100,000
Executive1.95%1.97%3 Years$100,000
Executive2.75%2.78%2 Years$100,000
Executive1.75%1.76%1 Year$100,000
Executive1.35%1.36%6 Months$100,000
Dividend RateAPY*TermMinimum Deposit
2.30%2.32%5 Years$500
1.90%1.92%3 Years$500
2.75%2.78%2 Years$500
1.70%1.71%1 Year$500
Account TypeDividend RateAPY*TermMinimum Deposit
Traditional2.30%2.32%5 Years$500
Traditional1.90%1.92%3 Years$500
Traditional2.75%2.78%2 Years$500
Traditional1.70%1.71%1 Year$500
Traditional Premier2.30%2.32%5 Years$10,000
Traditional Premier1.90%1.92%3 Years$10,000
Traditional Premier2.75%2.78%2 Years$10,000
Traditional Premier1.70%1.71%1 Year$10,000
Traditional Executive2.35%2.38%5 Years$100,000
Traditional Executive1.95%1.97%3 Years$100,000
Traditional Executive2.75%2.78%2 Years$100,000
Traditional Executive1.75%1.76%1 Year$100,000
Roth2.30%2.32%5 Years$500
Roth1.90%1.92%3 Years$500
Roth2.75%2.78%2 Years$500
Roth1.70%1.71%1 Year$500
Roth Premier2.30%2.32%5 Years$10,000
Roth Premier1.90%1.92%3 Years$10,000
Roth Premier2.75%2.78%2 Years$10,000
Roth Premier1.70%1.71%1 Year$10,000
Roth Executive2.35%2.38%5 Years$100,000
Roth Executive1.95%1.97%3 Years$100,000
Roth Executive2.75%2.78%2 Years$100,000
Roth Executive1.75%1.76%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.