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A Certificate Account is similar to a savings account, the major difference being you agree to keep a pre-determined amount of money in the certificate account for a specified amount of time. In exchange for agreeing to keep your money in the account for the term of the certificate, you are guaranteed a higher interest yield.

There are two types of Certificate Accounts - Regular and Individual Retirement Account (IRA). Each have terms ranging from 6 months to 60 months. Each type of Certificate Account has its own conditions and restrictions. Both are subject to penalties for early redemption.

 Certificate Rates
Base Rate
Min. Amount
6 mo. CD
6 mo. CD Plus.35%$50,000.35%
6 mo. IRA CD.20%$500.20%
6 mo. IRA CD Plus.35%$50,000.35%
12 mo. CD.50%$500.50%
12 mo. CD Plus .75%$50,000.75%
12 mo. IRA CD.50%$500.50%
12 mo. IRA CD Plus .75%$50,000.75%
24 mo. CD.75%$500.75%
24 mo. CD Plus1.00%$50,0001.01%
24 mo. IRA CD.75%$500.75%
24 mo. IRA CD Plus1.00%$50,0001.01%
36 mo. CD


36 mo. CD Plus1.10%$50,0001.11%
36 mo. IRA CD.85%$500.85%
36 mo. IRA CD Plus 1.10%$50,0001.11%
48 mo. CD.95%$500.95%
48 mo. CD Plus1.20%$50,0001.21%
48 mo. IRA CD.95%
48 mo. IRA CD Plus 1.20%
60 mo. CD1.15%
60 mo. CD Plus1.25%
60 mo. IRA CD1.15%$5001.16%
60 mo. IRA CD Plus 1.25%$50,0001.26%


Stop by one of our branches to obtain a CD. 

*Annual Percentage Yield. Fees could reduce earnings on the account. Rates current as of 10/01/2017. Rates subject to change at any time without notice.                                                                        


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