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.