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 November 12, 2025
| Description of Account | Dividend Rate | APY* |
| Share Certificates ($1,000 Min deposit ) | ||
| 6 Month - Pay at maturity into Regular Share Account | 3.85% |
3.91% |
| 12 Month - Pay monthly into Regular Share Account | 3.75% | 3.80% |
| 24 Month - Pay monthly into Regular Share Account | 3.28% | 3.32% |
| 36 Month - Pay monthly into Regular Share Account | 3.33% | 3.37% |
| Share Certificates ($25,000 Min Deposit ) | ||
| 6 Month - Pay at maturity into Regular Share Account | 3.88% | 3.94% |
| 12 Month - Pay monthly into Regular Share Account | 3.78% | 3.83% |
| 24 Month - Pay monthly into Regular Share Account | 3.32% | 3.36% |
| 36 Month - Pay monthly into Regular Share Account | 3.37% |
3.41% |
| Share Certificates ($50,000 Min Deposit) | ||
| 6 Month - Pay at maturity into Regular Share Account | 3.90% | 3.96% |
| 12 Month - Pay monthly into Regular Share Account | 3.80% | 3.85% |
| 24 Month - Pay monthly into Regular Share Account | 3.35% | 3.39% |
| 36 Month - Pay monthly into Regular Share Account | 3.40% | 3.44% |
- 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
