Truth in Savings Certificates


Share Certificates and IRAs are short and long-term savings products to make savings easy. Below are the current rates and Truth in Savings Disclosure. 

Truth in Savings Certificate

Product Term in Months Minimum Rate APY1Print CDs and IRAs
3 Month Share Certificate 3 Months $500.00 2.00% 2.02%
6 Month Share Certificate 6 Months $500.00 2.72% 2.75%
12 Month Share Certificate 12 Months $500.00 3.26% 3.30%
18 Month Share Certificate 18 Months $500.00 3.36% 3.40%
24 Month Share Certificate 24 Months $500.00 3.45% 3.49%
30 Month Share Certificate 30 Months $500.00 3.45% 3.49%
36 Month Share Certificate 36 Months $500.00 3.55% 3.60%
42 Month Share Certificate 42 Months $500.00 3.55% 3.60%
48 Month Share Certificate 48 Months $500.00 3.64% 3.69%
54 Month Share Certificate 54 Months $500.00 3.64% 3.69%
60 Month Share Certificate 60 Months $500.00 3.74% 3.79%
Certificate rates effective 2:30 pm on Friday, January 6, 2023
1 APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings.

Truth in Savings Certificate

Product Term in Months Minimum Rate APY1Print Bump
24 Month Bump Certificate ++ 24 Months $500.00 3.16% 3.20%
36 Month Bump Certificate++ 36 Months $500.00 3.35% 3.39%
Bump rates effective 2:30 pm on Friday, January 6, 2023
1 APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings.

Truth in Savings Certificate

Product Term in Months Minimum Rate APY1Print Youth CD
Youth Certificate 12 Months $50.00 3.75% 3.80%
Youth Certificate rates effective 2:30 pm on Friday, January 6, 2023
1 APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings.

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