Share Certificates

Watch the
possibilities grow.

You set the goal. We’ll help you save for it.

Easy earnings for your hard-earned savings.

You’re looking to grow your money, but you also want to protect it. If you don’t need immediate access to your cash, our Share Certificates can provide the right combination of earnings and protection.

Keep your money growing with a rate that’s guaranteed for the whole term.

Choose from a wide range of terms to find what’s best for your savings goals.

Protect your savings from stock market volatility.

Explore our certificate options.

Steady growth. Flexible terms.

Whether you’re saving for the down payment on your first home or planning your dream vacation, get there faster with a term that fits your needs.


  • Competitive guaranteed rates
  • Terms from 6 months to 5 years
  • Funds federally insured by NCUA and MSIC

Open your account today.

Start Saving

A penalty may be imposed for early withdrawal before maturity.

A simple solution for a smart investment.

It’s never too early to start saving for college. Help your child get a head start with this special certificate designed for
our Youth Account members.


  • Must be a Youth Account member to open account
  • $500.00 minimum balance
  • Periodic deposits of $25 or more allowed

Open your account today.

Start Saving

College Saver Certificate available to Youth Account members only.
A penalty may be imposed for early withdrawal before maturity.

Certificate options and rates.

Comparison of certificate options.
TypeMinimum Balance*Dividend RateAnnual Percentage Yield
(Dividends Compounded Monthly)
8 Month Special Certificate***$10,000.004.79%4.90%
13 Month Special Certificate***$10,000.004.55%4.65%
6 Month$500.000.20%0.20%
12 Month$500.000.25%0.25%
12 Month College Saver Certificate**$500.000.25%0.25%
18 Month$500.000.25%0.25%
24 Month$500.000.35%0.35%
36 Month$500.000.50%0.50%
48 Month$500.000.60%0.60%
60 Month$500.000.65%0.65%

* Minimum Balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). The dividend rate and interest rate may change at any time without prior notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals.

** College Savers Certificate available to Youth Savings and Youth Checking members only. Periodic deposits of $25 or more are accepted.

*** Special certificates are not to be combined with any other offer. Penalty for early withdrawal. Fees could reduce earnings.

Rates effective as of June 12, 2024.

More for your money.