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Certificates are a great way to maximize your savings with zero risk. With a certificate, you can save money for as short as 3 months while earning more interest than a traditional savings account. Certificates are a great option for saving for a future expense like tuition or for stashing away money that you don’t plan on using for some time.

As of January 1, 2017.
TermsMinimum BalanceDividend RateAPY*
3 Month$5000.20%0.20%
6 Month$5000.30%0.30%
12 Month$5000.50%0.50%
18 Month$5000.60%0.60%
24 Month$5000.70%0.70%
36 Month$5000.90%0.90%
48 Month$5001.193%1.20%
60 Month$5001.440%1.45%

*APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the certificate. A penalty may be imposed for withdrawals before maturity. Call 800-621-4644 for current rates as they are subject to change at any time and without notice. Click here to view full rate disclosures and policies.

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