Certificates

IRA & Share Certificate Options

Take advantage of our term share certificates and IRA certificates to earn monthly or quarterly dividends. Choose to have your dividends compounded into your certificate, deposited to your savings account, or mailed to you. Minimum balance to open a certificate is $500.

Rates Effective: 11/11/2026

What’s a Savings Certificate?

Think of a savings certificate like a money-growing time capsule!

You put your money into it and promise not to touch it for a certain amount of time—like 6 months, 1 year, or even longer. In return, the bank or credit union gives you a higher interest rate, which means your money grows faster than it would in a regular savings account.

Here’s how it works:

• You choose how much money to put in.
• You pick how long you want to leave it in (called a “term”).
• You earn more money (interest) while it sits there.
• When the time is up, you get your original money + the extra money it earned!

Why it’s cool:

• It helps you save for big goals like a bike, a gaming console, or even college.
• It teaches you patience and smart money habits.
• It’s safe—your money is protected and guaranteed to grow.

Just remember: once you put your money in, you can’t take it out early without a penalty. So make sure it’s money you won’t need right away!