Personal Certificates
- APY as high as 4.00%
- Best rate compared to savings and money market accounts
- Terms from 3 to 48 months
IRA Certificates
- APY as high as 3.90%
- Penalty-free withdrawals starting at age 59 1/2
- Terms from 3 to 48 months
Business Certificates
- 3.65% APY for 6-month term
- 3.90% APY for 12-month term
- Minimum balance of $25,000
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.