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Share Certificates

Lock it down and let it grow.

Earn up to 5.00% APY with a special limited time share certificate.1

money growth bar graph
Share Certificates
Promo Certificates
Rates & Fees
FAQ & Links

Promo Certificates

Our Highest Rate

5% APY
4-Month Share Certificate

$10,000 Minimum Deposit


Lower Deposit   

5-Month Share Certificate

$1,000 Minimum Deposit


Share Certificate Promotions
For a limited time, open a 4 or 5-month promo share certificate with a special rate for the term.1 Visit a branch to open your certificate.


A share certificate is a great way to save with high-yield earnings. We offer a variety of options for wherever you are at on your savings journey.

  • Earn dividends monthly
  • Highly competitive rates
  • No annual fee
  • Options to open with as little as $1,000
  • Flexible terms including 4, 5, 6, 12, 24, 36, 48, and 60 months
  • Federally insured to at least $250,000

Rates & Fees

Share Certificate
Effective Date: July 13, 2024
TermAPY*Minimum Deposit
Promo 4-month1 5.00% $10,000
Promo 5-Month1 4.00% $1,000
6 Month 0.25% $1,000 - $99,999
6 Month 0.30% $100,000
Special 12-Month1 3.50% $1,000
12 Month 0.30% $1,000 - $99,999
12 Month 0.35% $100,000
24 Month 0.45% $1,000 - $99,999
24 Month 0.50% $100,000
36 Month 0.60% $1,000 - $99,999
36 Month 0.65% $100,000
48 Month 0.95% $1,000 - $99,999
48 Month 1.00% $100,000
60 Month 1.30% $1,000 - $99,999
60 Month 1.35% $100,000

Share Certificate Fees
Early withdrawal penalty Equal to 90 or 180 days of dividends

FAQ & Links

What terms do you have to choose from?

We offer flexible terms, from 6 months to 60 months. And, from time-to-time, we will run promotional certificates with irregular terms--so keep an eye out for those.

Are my funds safe in a Share Certificate?

Yes, your funds are insured to at least $250,000.

What if I have more than $250,000 that I want to have insured?

We can work with you to help structure your accounts to make the most use of fund insurance.

Related Links
IRA Share Certificates
Arrowhead Savings
Money Market

1 APY = Annual Percentage Yield. Offer valid for limited time and subject to change. Minimum deposit for Promo 4 Month Certificate is $10,000. Minimum deposit for Promo 5 Month Certificate is $1,000. Early withdrawal penalties and other restrictions may apply.
*Annual Percentage Yields (APY). Certificates subject to early withdrawal fee. Programs and rates are subject to change daily without notice. This is not a complete disclosure. Terms and conditions available at a branch.

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