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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 Dividends earned are compounded daily and paid monthly, and your dividends can be withdrawn early without penalty.*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 2.00% to 4.20%

Save for education expenses with tax-free earnings.*

Minimum Deposit $500
Term 1 year to 5 years
Rate 2.20% to 4.00%

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 2.20% to 4.20%

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 Executive4.11%4.20%10 Months$100,000
Flex Premier4.02%4.10%10 Months$10,000
Flex Regular3.92%4.00%10 Months$1,000
Regular2.51%2.55%5 Years$500
Regular2.27%2.30%3 Years$500
Regular2.17%2.20%2 Years$500
Regular2.07%2.10%1 Year$500
Regular1.97%2.00%6 Months$500
Premier2.51%2.55%5 Years$10,000
Premier2.27%2.30%3 Years$10,000
Premier2.17%2.20%2 Years$10,000
Premier2.07%2.10%1 Year$10,000
Premier1.97%2.00%6 Months$10,000
Executive2.61%2.65%5 Years$100,000
Executive2.37%2.40%3 Years$100,000
Executive2.27%2.30%2 Years$100,000
Executive2.17%2.20%1 Year$100,000
Executive2.07%2.10%6 Months$100,000
Dividend RateAPY*TermMinimum Deposit
2.51%2.55%5 Years$500
2.27%2.30%3 Years$500
2.17%2.20%2 Years$500
3.92%4.00%1 Year$500
Account TypeDividend RateAPY*TermMinimum Deposit
Traditional2.51%2.55%5 Years$500
Traditional2.27%2.30%3 Years$500
Traditional2.17%2.20%2 Years$500
Traditional3.92%4.00%1 Year$500
Traditional Premier2.51%2.55%5 Years$10,000
Traditional Premier2.27%2.30%3 Years$10,000
Traditional Premier2.17%2.20%2 Years$10,000
Traditional Premier4.02%4.10%1 Year$10,000
Traditional Executive2.61%2.65%5 Years$100,000
Traditional Executive2.37%2.40%3 Years$100,000
Traditional Executive2.27%2.30%2 Years$100,000
Traditional Executive4.11%4.20%1 Year$100,000
Roth2.51%2.55%5 Years$500
Roth2.27%2.30%3 Years$500
Roth2.17%2.20%2 Years$500
Roth3.92%4.00%1 Year$500
Roth Premier2.51%2.55%5 Years$10,000
Roth Premier2.27%2.30%3 Years$10,000
Roth Premier2.17%2.20%2 Years$10,000
Roth Premier4.02%4.10%1 Year$10,000
Roth Executive2.61%2.65%5 Years$100,000
Roth Executive2.37%2.40%3 Years$100,000
Roth Executive2.27%2.30%2 Years$100,000
Roth Executive4.11%4.20%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.