Jolt Credit Union logo Go to main content
Online Banking


Certificate Accounts offer competitive rates for those members seeking to earn more for their savings. There are a variety of fixed terms certificates available from 3 months to 5 years.  Funds are available to use as collateral for a certificate secured loan at a low rate of interest.

A Bump Up term Certificate Account is also available. If you're ready to take your savings to a new level, this maybe just what you need. What sets this apart from a typical certificate account is if the rate increases, you can contact the credit union one time during the term and "Bump Up" to the higher rate. This enables you to grow with the market.

Get started today! Give us a call at (800) 798-2328.


Certificate Account
Effective Date: as of May 1, 2020
Certificate TypeMinimum Balance to Receive DividendInterest RateAnnual Percentage Yield (APY)*Compounded/Paid
Youth 3 Month** $100 0.400% 0.400% Monthly/Monthly
Youth 6 Month** $100 0.750% 0.760% Monthly/Monthly
Youth 12 Month** $100 1.000% 1.010% Quarterly/Quarterly
3 Month $1,000 0.400% 0.400% Monthly/Monthly
6 Month $1,000 0.750% 0.760% Monthly/Monthly
12 Month $1,000 1.000% 1.010% Quarterly/Quarterly
18 Month $1,000 1.100% 1.110% Quarterly/Quarterly
24 Month $1,000 1.350% 1.360% Quarterly/Quarterly
30 Month $1,000 1.400% 1.410% Quarterly/Quarterly
36 Month $1,000 1.550% 1.560% Quarterly/Quarterly
39 Month Bump Up $1,000 1.650% 1.660% Quarterly/Quarterly
48 Month $1,000 1.750% 1.760% Quarterly/Quarterly
60 Month $1,000 1.800% 1.810% Quarterly/Quarterly
*Annual Percentage Yield is the total amount of interest paid on an account, based on the interest rate and the frequency of monthly compounding for a 365-day period, and expressed as a percentage. This rate assumes that a set amount is on deposit at the beginning of the interest period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same interest rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice.
**Subsequent deposits are allowed on Youth Certificate Accounts with terms of 3, 6, or 12 months. For minors 17 years of age or younger opening a 3, 6, or 12 months Certificate Account, the minimum balance requirement is $100.00 and subsequent deposits are allowed.
***Maximum Certificate Account is $2,500. Additional deposits may be made to the Certificate Account during the 12-month term, not to exceed $2,500. At the time of maturity the funds will be deposited into the Youth Account. Offered during promotional period January 15-February 29, 2020.

Go to main navigation