Certificates and IRA Certificates
Certificate accounts pay a higher interest rate and are available in terms ranging from 6 months to 5 years. There is a $1,000 minimum balance and interest is paid monthly. When your certificate come due, we will send you a notice and give you ten business days to cash or change the terms of the certificate. After the ten days, we will automatically renew it for you!
| Certificate Term | Minimum Balance | APY |
|
6 Months
|
$1,000
|
0.40%
|
|
12 Months
|
$1,000
|
0.45%
|
|
18 Months
|
$1,000
|
0.50%
|
|
24 Months
|
$1,000
|
0.60%
|
|
36 Months
|
$1,000
|
0.70%
|
|
48 Months
|
$1,000
|
0.80%
|
|
60 Months
|
$1,000
|
0.90%
|
|
Early withdrawal penalties may apply
Rates effective March 1, 2021
APY=ANNUAL PERCENTAGE YIELD
|
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