Term Certificates

If you can afford to keep your money tucked away for a while, then a term certificate is the way to go. Term certificates generally earn dividends higher than regular or tiered savings accounts.

Key Features

  • Low minimum balance of $250.00
  • Extremely competitive rates
  • 3-month to 5-year terms
  • One-time “Rate Bump” option on 18-month certificates
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Term Certificate Fees

While we encourage keeping certificates to maturity, there is the occasional emergency need to withdraw the certificate prior to this date. The early-withdrawal fees, based on the term of the certificate, are described below:

Term of Less than 1 Year 45-Days Dividends
Term of 1 Year or Greater 90-Days Dividends