Share Certificates
Rates are guaranteed for the life of the certificate.
- Six month Share Certificate: dividends are paid upon maturity of the certificate, penalty for early withdrawal - 30 days loss of interest.
- Twelve month Share Certificates: dividends are paid monthly and are deposited into the Regular Share account, penalty for early withdrawal - 30 days loss of interest.
- Twenty-four and Thirty-six month Share Certificates: dividends are paid monthly and are deposited into the Regular Share account, penalty for early withdrawal - 90 days loss of interest.
Share Certificates Rates and Yields - Effective October 28, 2026
| Description of Account | Dividend Rate | APY* |
| Share Certificates ($1,000 Min deposit ) | ||
| 6 Month - Pay at maturity into Regular Share Account | 3.75% |
3.80% |
| 12 Month - Pay monthly into Regular Share Account | 3.87% | 3.93% |
| 24 Month - Pay monthly into Regular Share Account | 4.05% | 4.11% |
| 36 Month - Pay monthly into Regular Share Account | 4.10% | 4.16% |
| Share Certificates ($25,000 Min Deposit ) | ||
| 6 Month - Pay at maturity into Regular Share Account | 3.78% | 3.83% |
| 12 Month - Pay monthly into Regular Share Account | 3.90% | 3.96% |
| 24 Month - Pay monthly into Regular Share Account | 4.08% | 4.14% |
| 36 Month - Pay monthly into Regular Share Account | 4.13% |
4.19% |
| Share Certificates ($50,000 Min Deposit) | ||
| 6 Month - Pay at maturity into Regular Share Account | 3.81% | 3.86% |
| 12 Month - Pay monthly into Regular Share Account | 3.93% | 3.99% |
| 24 Month - Pay monthly into Regular Share Account | 4.11% | 4.17% |
| 36 Month - Pay monthly into Regular Share Account | 4.16% | 4.23% |
- APY = Annual Percentage Yield
- Fees or other conditions may reduce earnings
- Dividend rate & APY offered for term of certificate
- APY may be lower if you withdraw funds before maturity
- A dividend penalty may be imposed for early withdrawal
- Dividends will be deposited to regular shares
- Rates subject to change without notice
- Contact an employee for information about other applicable fees and terms
