Share Certificates

A share certificate can guarantee you a higher rate of return without the risk of investing.

What you need to know:

  • Pick a term that’s best for you! Terms range from six months to five years

  • Guaranteed fixed-rate returns for the entire term

  • Rest easy knowing funds are NCUA insured for your protection

  • For younger Members, age 25 and under, the minimum deposit requirement is only $500.00

Compare Our IRAs

Types of IRA and what they are for
Traditional IRA Roth IRA Education (Coverdell Education Savings IRA) Certificate IRA
Best For

Individuals who wish to contribute to save towards retirement with potential tax benefits*

Eligible individuals who wish to make after-tax contributions towards retirement

Individuals who expect to have educational expenses, generally used for college expenses

Individuals who want the functionality of a Certificate but the tax benefits of an IRA*
Taxes*

Withdrawals from your IRA are not taxed until you take a distribution (withdrawal)*

Contributions have the potential to be withdrawn tax-free*

Withdrawals are tax-free if they are used for qualified educational expenses*

No taxes on contributions but withdrawals will be taxed as normal income*
Contributions

Contribute up to the limit at any time when earning income

Contribute up to the limit at any time when earning income

Contributions can be made on behalf of a child until they reach the age of 18. Annual contribution limit is $2,000 per beneficiary

Contribution and withdrawal limitations apply (no fixed regular contributions allowed, penalty for early withdrawal)
*Some restrictions may apply. Always consult with a competent tax advisor when making decisions about IRAs.

IRA Savings Rates

Last Dividend Declaration Date: September 23, 2025

IRA Savings
Dividend Rate APY** Dividend Period Min. Opening Deposit Min. Balance to Avoid a Service Fee Min. Balance to Earn the Stated APY
0.30 0.30 Monthly (Calendar) $25.00 - $25.00

IRA Certificate Account Rates

Minimum Opening Deposit: $250.00

Effective Date: October 1, 2025

IRA Certificate Account
Term Dividend Rate APY**
6-Month 3.80 3.87
1-Year 3.55 3.61
18-Month 3.30 3.35
2-Year 3.05 3.09
3-Year 2.15 2.17
5-Year 2.30 2.32

Share Certificate Rates

Minimum Opening Deposit: $1,000.00 - $500.00 age 25 and under

Effective Date: October 1, 2025

Share Certificate
Term Dividend Rate APY**
6-Month 3.75 3.82
1-Year 3.50 3.56
18-Month 3.25 3.30
2-Year 3.00 3.04
3-Year 2.10 2.12
5-Year 2.25 2.27