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
1
Open a Certificate
Start with at least $1000.
2
Set your term
Choose from 6 to 60 months. Longer terms earn better interest rates.
3
Spend or reinvest
Use the interest to shop or save it and reinvest in a new certificate.
Secure
Share Certificates are insured and offer a guaranteed return.
Compound your returns
Reinvest your funds on maturity to keep earning higher balances.
Start small
Youth Certificates start with $250 and Regular Certificates start with $1000.
Frequently Asked Questions
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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.
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Anyone under 18.
