Share Certificate Calculator

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Share Certificate Rates

Effective Date: Wednesday, March 25, 2026

Dividend Rate APY Minimum to Open Minimum to Earn Dividends
5 Month (not available for IRA) 3.45% 3.50% $500 * $500
6 month (not available for IRA) 3.20% 3.25% $500 ** $500
1 year 3.30% 3.35% $500 ** $500
13 Month 3.45% 3.50% $500 ** $500
16 Month 3.49% 3.55% $500 ** $500
18 month 3.54% 3.60% $500 ** $500
2 year 3.20% 3.25% $500 ** $500
26 Month 3.69% 3.75% $500 ** $500
3 year 3.11% 3.15% $500 ** $500
4 year 3.06% 3.10% $500 ** $500
5 year 3.06% 3.10% $500 ** $500
66 Month 2.96% 3.00% $500 ** $500
Elevate Certificate: 33 Month 2.96% 3.00% $100 * $100
Elevate Certificate: 38 Month 3.01% 3.05% $100 * $100

For Share Certificate and IRA Certificate accounts (SC), the amount of the early withdrawal penalty will be as follows on the amount withdrawn (whether earned or not): Less than 6-month SC will result in a 3-month early withdrawal penalty (90 days); 6–18 month SC will result in a 6-month early withdrawal penalty (180 days); Any SC greater than 18 months–66 months will result in a 12-month early withdrawal penalty (365 days).

Owner’s Advantage Account (OAA) Product has been discontinued as of 10/1/2011. Anyone who currently has an OAA Share or IRA Certificate of Deposit will continue to receive the additional 0.10% rate on any renewal of the existing funds. There is no additional 0.10% rate increase on any new money that is invested in a Share or IRA Certificate of Deposit.

*
Minimum Deposit to Open Account – not Minimum Balance to Maintain Account
**
Minimum Deposit to Open Account — not Minimum Balance to Maintain Account