Certificate Accounts
Certificates are the perfect choice for no-risk savings. They're federally insured up to $250,000 by NCUA. And, because you make a commitment to keep your deposit in a Certificate for a specified term,* they earn higher dividends than savings or money market accounts.
Standard Certificates
Certificates
  • $500 minimum to open
  • 3 month to 60 month terms
Jumbo Certificates
Jumbo Certificates
  • $100,000 minimum to open
  • 6 month to 60 month terms
Step-Up Certificates
Limited Time Offer
Step-Up Certificates
  • Choose when to step up to a higher rate any one time during the term
  • $5,000 minimum to open
  • 36 month to 60 month terms
IRA Certificates
IRA Certificates
  • $100 minimum to open
  • 3 month to 60 month terms
  • Make add-on deposits to IRA Certificates with terms of 12 months or less
  • Jumbo, Bonus and Step-Up Certificates may also be designated as IRAs (see minimums and terms above). IRA Certificates earn the same dividend rates as non-IRA Certificates.
  • IRS contribution limits and penalties apply.
More IRA information
Rags to Riches Children's Certificates
Rags to Riches Certificates
  • $100 minimum to open
  • 12 month and 24 month terms
  • Make add-on deposits of $10 or more during the term
More Rags to Riches Kids Club information
For a strategy on investing with certificates, check out this article on Laddering Certificates.

Also check out the RealityCheck Article: Financial Planning and Saving for Retirement

*Penalties for early withdrawal apply.