Certificates: High-Yield Accounts
Earn 3.60% APY* on a new 10‑Month Jumbo Promotional Certificate — plus explore our 24‑Month Certificate for longer-term growth.
Lock in a competitive rate and let your savings do the heavy lifting. Click the buttons below to apply now.
JumboCertificate $100,000 MINIMUMBALANCE | Standard Certificate $500 MINIMUM BALANCE |
10-Month Certificate
Term APY* 10-MONTH PROMOTIONAL CERTIFICATE 10-Month Promotional Jumbo Certificate ($100,000 minimum opening balance) 3.60% 10-Month Promotional Certificate ($500 minimum opening balance) 3.25%
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Grow Your Savings With Confidence
Earn 3.60% APY* with a 24-Month Certificate.
Looking for a safe, predictable way to build your savings? Lock in a guaranteed rate and enjoy steady growth over 24 months with no market risk and no surprises. Whether you’re saving for something specific or simply want more from your money, this is an easy way to stay on track.
- Fixed 3.60% APY for 24 months
- Stable, low-risk growth
- Low minimum to open
- Flexible options at maturity
Click here to learn more about the Certificate Calculator.
Which Certificate is Right For You?
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Traditional Certificates
Term APY* Share, Traditional & ROTH IRA Certificates
$500 MINIMUM OPENING BALANCE
3 Month Certificate 2.50% 6 Month Certificate 2.85% 12 Month Certificate 2.75% 18 Month Certificate 2.75% 24 Month Certificate 3.60% 36 Month Certificate 2.50% 48 Month Certificate 2.50% 60 Month Certificate 2.50%
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Bump & Add On Certificates
Term APY* Bump & Add-On Certificates
$500 MINIMUM OPENING BALANCE
12 Month Bump Certificate 2.70% 24 Month Add On Certificate 2.55% - Bump Rate Certificates allow for a dividend rate adjustment once during the initial term.
- Add-On Certificates let you deposit more funds after opening the account.
Apply Now! -
Jumbo Sized Certificates
Term APY* Jumbo Certificates
$100,000 MINIMUM OPENING BALANCE
6 Month Jumbo Certificate 3.20% 12 Month Jumbo Certificate 3.10%
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Stacking Savings with a Certificate Ladder
Certificates require money to be deposited for a set amount of time. While that may feel limiting, you can still have some access to your money with a technique called certificate laddering. This involves opening several certificates with staggered maturity dates. By doing this, you can take advantage of better interest rates when rates go up. If rates are falling, part of your certificate funds are still earning the higher rates that were available earlier.
To create a certificate ladder, open a series of certificates with different maturity dates. For example, if you have $1,500 to put into certificates, you might invest $500 each in six-month, 12-month, and 24-month certificates. As each certificate matures, you have the option to use the money or let it renew.
Disclosures
* APY = Annual Percentage Yield and is accurate as of 6/6/2026.
Definitions
Add-on: Additional deposits allowed
Bump: You may elect to adjust your dividend rate to a new fixed dividend rate based on the rate currently offered for this specific product term one time during the original term of the account, unless stated otherwise.
10 month certificate: $500 minimum to open the account, $100,000 minimum to open Jumbo account. Peak Account or Business Checking required. A penalty may be imposed for early withdrawal before the maturity date. Refer to the Rate and Fee Schedule or contact the Credit Union for more information.
24 month certificate: $500 minimum deposit to open.
A penalty may be imposed for early withdrawal.