YOUTH CERTIFICATE ACCOUNTS
Tiny Teeth Deserve Big Returns
Start their savings early with a Youth CD!* Lock in a great rate and boost their savings by adding deposits throughout the term. Big dreams begin with small steps. We offer 3, 6, and 12-month youth certificate terms.
*17 years and younger
CERTIFICATE ACCOUNTS
Save Like You Mean It
Looking to grow your savings? Our Certificate Accounts offer competitive rates with terms from 3 months to 5 years. Funds can also be used as collateral for a low-rate certificate secured loan.
Try our Bump Up Certificate Account if you want added flexibility. If rates rise, you can choose to "bump up" to the higher rate once during the term.
Share Certificate Account
Effective Date: Monday, June 30th, 2025
| Share Certificate Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| Youth 3 Month** | $100 | 0.500% | 0.500% | Monthly/Monthly |
| Youth 6 Month** | $100 | 3.690% | 3.750% | Monthly/Monthly |
| Youth 12 Month** | $100 | 3.800% | 3.850% | Quarterly/Quarterly |
| 3 Month | $1,000 | 0.500% | 0.500% | Monthly/Monthly |
| 6 Month | $1,000 | 3.690% | 3.750% | Monthly/Monthly |
| 12 Month | $1,000 | 3.800% | 3.850% | Quarterly/Quarterly |
| 18 Month | $1,000 | 3.450% | 3.500% | Quarterly/Quarterly |
| 24 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 30 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 36 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 39 Month Bump Up | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 48 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 60 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| *APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend 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 dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share 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 Share Certificate Accounts with terms of 3, 6, or 12 months. For minors 17 years of age or younger opening a 3, 6, or 12 month Share Certificate Account, the minimum balance requirement is $100.00 and subsequent deposits are allowed. Promotional share certificates are offered occasionally and have their own terms and conditions. | ||||
Traditional and Roth IRA Share Certificates
Effective Date: Monday, June 30th, 2025
| Share Certificate Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| 3 Month | $1,000 | 0.500% | 0.500% | Monthly / Monthly |
| 6 Month | $1,000 | 3.690% | 3.750% | Monthly / Monthly |
| 12 Month | $1,000 | 3.800% | 3.850% | Quarterly/Quarterly |
| 18 Month | $1,000 | 3.450% | 3.500% | Quarterly/Quarterly |
| 24 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 30 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 36 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 48 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| 60 Month | $1,000 | 3.210% | 3.250% | Quarterly/Quarterly |
| *APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend 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 dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. | ||||
Coverdell ESA Share Certificates
Effective Date: Monday, June 30th, 2025
| Share Certificate Type | Minimum Balance to Receive Dividend | Dividend Rate | Annual Percentage Yield (APY)* | Compounded/Paid |
|---|---|---|---|---|
| 3 Month | $500 | 0.500% | 0.500% | Monthly / Monthly |
| 6 Month | $500 | 3.690% | 3.750% | Monthly / Monthly |
| 12 Month | $500 | 3.800% | 3.850% | Quarterly/Quarterly |
| 18 Month | $500 | 3.450% | 3.500% | Quarterly/Quarterly |
| 24 Month | $500 | 3.210% | 3.250% | Quarterly/Quarterly |
| 30 Month | $500 | 3.210% | 3.250% | Quarterly/Quarterly |
| 36 Month | $500 | 3.210% | 3.250% | Quarterly/Quarterly |
| 48 Month | $500 | 3.210% | 3.250% | Quarterly/Quarterly |
| 60 Month | $500 | 3.210% | 3.250% | Quarterly/Quarterly |
| *APY=Annual Percentage Yield. Annual Percentage Yield is the total amount of dividend paid on an account, based on the dividend 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 dividend period, that no deposits or withdrawals are made during the dividend period and funds remain on deposit for one full year at the same dividend rate. Fees may reduce earnings. A fee may be charged for early withdrawal of a fixed-term share certificate or IRA. Rates are expressed as an annual percentage yield (APY) and are subject to change without notice. | ||||