Save and earn more with a certificate.
When you commit to keep your money in a certificate for three to 60 months, you could earn higher returns than other types of savings accounts — all while keeping your funds secure and federally insured. Decide how you want to save based on your ideal term, rate and opening deposit.
Our certificate accounts:
Get started with as little as $500.
If you want to save with certificates but don’t want to commit a lot of funds, our Standard Certificate Account lets you choose from terms of three to 60 months with as little as $500 for your opening deposit and minimum balance.
Earn big with a Jumbo Certificate.
When your savings are jumbo, your certificate should be too. Pick a term from three to 60 months and watch the $100,000+ you deposit and keep in your Jumbo Certificate grow.
IRA, HSA & ESA CERTIFICATES
Save for retirement, healthcare or education.
Our Individual Retirement Account (IRA), Health Savings Account (HSA) and Education Savings Account (ESA) Certificates are available starting with just $100, or save big with a Jumbo IRA or HSA Certificate. You can also add to your savings by making additional deposits to your certificates with terms of 12 months or less. Please note that IRS contribution limits and rules apply.
RAGS TO RICHES YOUTH CERTIFICATES
A certificate that encourages your child to save.
Want to build your child’s savings habits? With a Rags to Riches Certificate, you deposit $100+, and your child 12 or under can make additional deposits starting at $10 as regularly as they’d like.
Commonly asked questions
The penalty to withdraw a certificate with a term of three or six months is 30 days’ worth of dividends. The penalty for certificates with all other terms is 180 days’ worth of dividends. We have a grace period of seven business days before penalties are applied.
There is no penalty assessed on dividends — a penalty is only assessed on the amount of principal withdrawn.
We send out a notification about a month before your certificate matures, and you may mail the attached form back to us or call us with your instructions prior to maturity.