Certificates

Certificates

  • APY as high as 4.30%
  • Best rate compared to savings and money market accounts
  • Terms from 3 to 48 months

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IRA Certificates

  • APY as high as 3.90%
  • Penalty-free withdrawals starting at age 59 1/2
  • Terms from 3 to 48 months

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Business Certificates

  • 3.65% APY for 6-month term
  • 3.90% APY for 12-month term
  • Minimum balance of $25,000

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APY = Annual Percentage Yield. Early withdrawal penalty may apply and is based on certificate term. Penalty equal to 90 days of dividends if 12 months or less; 180 days of dividends if longer than 12 months; or expected dividends earned over term on promotional certificates.