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Certificate Accounts

A safe, secure way to save for any goal. Certificates offer safety of principal, even in a falling rate environment, making them a no-risk investment.

For a limited time you can also save big with our Flex 24 Certificate Account. Click the link to learn more about this account.


* APY=Annual Percentage Yield. FLEX 24 certificate accounts have a variable dividend rate and APY that may change quarterly, or four times per year. The APY is determined by
adding .75% to the Fed Funds Rate on the last day of each quarter. The dividend rate is subsequently calculated based on the indexed APY. The variable dividend rate and APY may be locked upon request any time during the first year of account opening. The locked dividend rate and APY remains a fixed rate for the duration of the term. One deposit up to a maximum of the original opening balance is permitted during the first year of account opening. APY is effective as of 04/01/2019. The minimum balance to open and earn the stated APY is $500. Fees or other conditions could reduce earnings on the account. Substantial penalty imposed for early withdrawal. FLEX 24 certificates will be offered for a limited time and may be withdrawn at any time.
  •  Investors Bullet 4 A
    Low minimum opening balances make certificate accounts affordable for all for a variety of investors
  • Money Market Account Bullet 4 A
    Earn higher yields than savings, checking, and tiered money market accounts
  • My Credit Union Gov Bullet 4 A
    Your accounts are insured by the National Credit Union Share Insurance Fund to at least $250,000 Visit mycreditunion.gov to learn more about your Share Insurance Coverage and to access resources including a Share Insurance estimator tool, publications, videos, and more

Get Started

Open an Account

What to Expect

Certificate Accounts 2

Fixed-Rate
Certificate Accounts

  • Flexible terms of 3, 6, 12, 24, 36, 48, and 60 months
  • $500 minimum deposit
  • Higher APYs for opening deposits of $50,000 and $100,000
  • Available as an IRA
  • Can be pledged as collateral for a secured loan
  • Receive certificate account maturity notifications via text or email with CUAlerts

Regular fixed-rate certificate accounts can be opened online from the Additional Services menu within Internet Banking1, at any branch, or over the phone.

 

 

Flex Rate Certificate Accounts

The true strength of our Flex Rate Certificate Account lies in its ability to keep pace with today’s changing market with no risk to principal.

  • Flex rate tied to the 3-month Treasury Bill 1, plus an additional .25%.
  • 12-month term
  • $750 minimum balance
  • Available as an IRA
Variable Rate 2
Save Smart 2

Save Smart
Certificate Account

We’re committed to helping our youngest savers build a healthy financial future. We’ve cut the minimum opening balance in half for our Save Smart Certificate Account to make it easier for them to start saving earlier.

  • 8-month term
  • $250 to open
 

12-Month Certificate Account Rate

APY
1.50%
Dividend Rate
1.48%
Minimum to open
$500

View all rates and disclosures

 

By laddering, or staggering your certificate account maturity dates and amounts, you can ensure maturities for more liquidity in case of emergency or projected need. Laddering works to your benefit by helping you avoid penalties that occur from cashing out a certificate account before its maturity. Explore Laddering

 

Receive a text or email notification via CUAlerts about when your certificate account is maturing. When setting up the alert, you specify how many days in advance of the maturity you'd like to be notified. To set up this alert, access CUAlerts from within Internet Banking.

Useful Resources

Monitor your account balances and account activity through CUAlerts text and email notifications.

Monitor Accounts

1 The minimum to open a 12-month Flex Certificate Account and earn the stated APY is $750. The APY is determined by adding .25% to the 3-month Treasury Bill auction investment rate on the last Thursday of each quarter. The dividend rate is subsequently calculated based on the indexed APY. Rate subject to change after account opening. Fees or other conditions could reduce earnings on the account. Substantial penalty imposed for early withdrawal. Available as an IRA.

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