Standard Share Certificates
Standard certificates with terms from 6 to 60 months. Longer terms earn greater rates of return. Open with just $1000.
Youth Share Certificates
With terms from 6 months to 2 years, anyone under 18 can start saving for the future with awesome rates.
IRA Share Certificates
When you invest in a traditional IRA share certificate, the money you invest is tax-deductible. When you invest in a Roth IRA, you’re taxed for deposits but your withdrawals in retirement are tax-free.
Here’s how it works
Open a Certificate
Start with at least $1000.
Set your term
Choose from 6 to 60 months. Longer terms earn better interest rates.
Spend or reinvest
Use the interest to shop or save it and reinvest in a new certificate.
Share Certificates are insured and offer a guaranteed return.
Compound your returns
Reinvest your funds on maturity to keep earning higher balances.
Youth Certificates start with $250 and Regular Certificates start with $1000.
Frequently Asked Questions
The Maximum IRA Certificate to earn the stated APY is $50,000. Share Certificate Account rates will apply to any additional funds deposited as IRA certificates.
Anyone under 18.