Certificates
Certificate Special: Rates up to 5.25% APY*
You've heard the expression, "Good things come to those who wait." That describes our certificates. Short- or long-term, every one of our certificates out-earns a typical savings account. Plus, with so many options, you can easily put your savings on a schedule that fits perfectly with your future plans.
- Term options from 6 to 72 months
- In general, longer-term certificates pay higher rates
- Available as Individual Retirement Accounts (IRAs)
- Earned dividends can be added to your certificates or transferred to another Everwise account
- Insured up to $250,000 by the National Credit Union Administration
Your choice
Save for six months, six years, or some period in between.
Nice and predictable
You'll know on day one how much you'll end up with when your certificate matures.
Looking ahead
Certificates are excellent tools for saving for retirement.
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APY accurate as of 4/8/2024. Limited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Dividends for standard Share Certificates are compounded monthly and dividends for IRA Share Certificates are compounded quarterly. Dividends must remain in account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings. Not available on HSA certificates. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. All Certificates funded via Electronic Transfer (ACH), or with a Debit or Credit Card, will have a 5 (five) business day hold. *APY = Annual Percentage Yield.