Certificates

Good things come to those who save.

Explore Certificate Rates Visit a Location to Open an Account

Certificates

Good things come to those who save.

Explore Certificate Rates Visit a Location to Open an Account
Rates as high as
4.55 % APY1

for Certificates

Competitive fixed rates

to help your savings grow.

Certificates

Good things come to those who save.

Explore Certificate Rates Visit a Location to Open an Account

Lock it in and let it grow.

Think of a Certificate as savings with a plan. You put your money away for a set term and lock in your rate, giving you a predictable return without having to wonder what your rate will do next. 

With a Certificate, you can:

  • Lock in a competitive rate for your entire term
  • Know what your savings is earning along the way
  • Choose from multiple terms to match your timeline
  • Build toward future goals with fewer temptations to dip into your savings


When you’re comfortable leaving some savings untouched, a Certificate can give it more room to grow.

  • Your rate stays put. Lock in your rate when you open your Certificate, and it stays fixed for the term.
  • You choose the timeline. Decide how long you’re comfortable setting your money aside.
  • Your return is predictable. With a fixed rate and term, you’ll know what your money is earning along the way.
  • Your money has a maturity date. When your term ends, you can decide what’s next for your savings.

Saving for something specific?

Financial Center also offers Certificate options designed for different savings goals.

Save to Win Certificate

Grow your savings with a guaranteed return while earning chances to win monthly and quarterly cash prizes along the way.

Health Savings Account Certificate

Put HSA funds you don’t need right away into a Certificate for additional earning potential while saving for future healthcare expenses.

IRA Certificate

Give retirement savings a predictable place to grow with a fixed rate and term.

Business Certificate

Put excess business funds to work with a fixed rate and a term that fits your organization’s plans.

Extra protection for the money you’ve worked for.

Your savings come with an added layer of protection. In addition to standard NCUA insurance coverage, Financial Center provides Excess Share Insurance as a member benefit – helping protect qualifying deposits beyond federal coverage limits.

Protect what you're growing.

Your Certificate can help build your future - and you can plan for the people who matter most, too. Naming a beneficiary helps ensure the funds in your Certificate can go directly to the person you choose when the time comes. Add a beneficiary when you open your Certificate, or contact us to update your existing Certificate.

Why Financial Center?

Your money may be sitting still for a while, but your goals aren’t. Financial Center pairs competitive rates with real guidance to help you choose a Certificate and term that make sense for what you’re working toward.

Competitive rates

to give your savings more earning power.

Flexible term options 
so you can choose a timeline that works for you.
Real guidance
from financial coaches or self-guided solutions in the Financial Wellness Hub.

Still deciding? Let's explore your options together.

Certificates
Elevated Interest Checking
IRA
Money Market
Starter Savings Account
2.23%2
1.74%3
2.23%2
2.23%4
0.05%4
Minimum opening $500
Minimum opening $50; $5,000 average daily balance to avoid monthly fee
Minimum opening $500
Minimum opening $1000
Minimum opening $100
91 days - 60 months
N/A
91 days - 60 months5
N/A
N/A
Balance Inquiry Only
Yes
Balance Inquiry Only
Yes
Yes

Your financial playbook for real life.

Tools to support your success.

Create a Budget

A practical, workable budget is one of the most crucial tools in your financial wellness arsenal. Learn tips on where to start and how to be fluid with changing priorities.

  2 minute read

Read More

Frequently asked questions

View All FAQs

A Certificate is a savings tool that lets you earn a competitive fixed dividend rate for a set period of time, known as the term. Because your rate is locked in for the entire term, Certificates are a great choice if you're saving for a future goal and won't need immediate access to your money. You'll know exactly what you'll earn while your savings continue to grow.

When your Certificate reaches maturity, you can renew it for another term or move your funds to another Financial Center account. Keep in mind that withdrawing funds before the maturity date may result in an early withdrawal penalty.

Want your savings to stay flexible?

If you want your money to keep working while staying within reach, a Money Market account could be the right next move. 
Money Market

  1. APY = Annual Percentage Yield. Certificates have a minimum opening balance of $500. 

  2. APY - Annual Percentage Yield: Rates and terms subject to change. Penalties assessed for early withdrawal. Fees may reduce earnings.

  3. APY - Annual Percentage Yield: Rates may change after account is opened. Minimum account opening deposit of $50 required. Rates and terms subject to change. Fees may reduce earnings.

  4. APY - Annual Percentage Yield: Rates may change after account is opened. Dividends paid monthly based on daily balances. Rates and terms subject to change. Fees may reduce earnings.

  5. Available terms vary. See current IRA rates and disclosures for specific terms, rates, and applicable withdrawal provisions.