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Certificate product terms range from 3 to 60 months. For your convenience, current members can open certificates using Members 1st Online, our home banking service. With all certificate accounts, there is a penalty for early withdrawal.

Looking to earn a higher interest rate? With Member Loyalty Rewards, you could earn bonus certificate rates based on your account relationship with us!

View Current Rates


Certificates of Deposit

  • 3- to 60-month terms available.
  • Minimum $500 opening deposit required.
  • Dividends are computed daily and paid monthly with the exception of the 3-month share certificate (dividends are paid at maturity).
  • Higher rates apply on certain tiered balances.
  • Penalty for early withdrawal.

No Penalty 9-Month Certificate

  • Minimum opening deposit is $5,000.
  • Take your money out whenever you need to during the term, without penalty.

Add-On Certificates

12-Month Term 24-Month Term
Minimum opening deposit is $100 Minimum opening deposit is $500
Add funds to your certificate at any time Add funds to your certificate at any time
Minimum additional deposits are $10 Minimum additional deposits are $25
Penalty for early withdrawal Penalty for early withdrawal

Bump-Up Certificate

If you think rates might go up during your certificate's term, this is the product for you!

  • 24 or 48-month term.
  • You may choose one time to "bump up" the certificate's rate to the currently offered rate.
  • Penalty for early withdrawal.

Truth In Savings Disclosure >
Home Equity Loan 5-Year


Visa Balance Transfer


Home Equity Loan 10-Year


*APR=Annual Percentage Rate   **APY=Annual Percentage Yield
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