Certificates

Build financial muscle + grow stronger.

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A car, an education, a downpayment for a house. Whether you’re saving for a short-term goal or getting ready for retirement, Certificates offer a low-risk way to grow your investment safely over time. Make a plan, breathe deep and watch your money grow.

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Low Opening Balance

Open with as little as $500 (with no monthly service fee) and watch it grow over time

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Flexible Increments

Available in variable terms from three months to five years, so you can meet short or long-term goals

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Auto-Renewable

Both regular and IRA certificates are available, and may be renewed automatically

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Faster Deposits

No delays or hold times on direct deposits; applies to most payroll check deposits too²

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Financial Advice

Our partnership with CFS¹ gives you free access to local, award-winning advisors

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Digital Services

Mobile banking, text alerts, eStatements and WebBanking put all the tools in your hands

View Our Rates

Certificates

Term

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Rate is effective as of 9.14.22

Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. $500 minimum deposit for regular certificates. Please use the Secure Form in WebBanking to open a regular certificate or contact Member Services at 336.774.3400 / 800.782.4670.

Certificate rates available only for consumer accounts. For institutional rate inquiries or rates on our business products, please visit a Financial Center or contact Member Services at 336.774.3400 / 800.782.4670.

Term

3 Month

Balance

$0.00 - $250,000.00+

Dividend

0.75% - 0.75%

APY*

0.75% - 0.75%

Term

6 Month

Balance

$0.00 - $250,000.00+

Dividend

0.85% - 1.00%

APY*

0.85% - 1.00%

Term

9 Month

Balance

$0.00 - $250,000.00+

Dividend

0.90% - 1.04%

APY*

0.90% - 1.05%

Term

12 Month

Balance

$0.00 - $250,000.00+

Dividend

1.29% - 1.44%

APY*

1.30% - 1.45%

Term

18 Month

Balance

$0.00 - $250,000.00+

Dividend

1.39% - 1.54%

APY*

1.40% - 1.55%

Term

2 Year

Balance

$0.00 - $250,000.00+

Dividend

1.54% - 1.69%

APY*

1.55% - 1.70%

Term

3 Year

Balance

$0.00 - $250,000.00+

Dividend

1.64% - 1.78%

APY*

1.65% - 1.80%

Term

4 Year

Balance

$0.00 - $250,000.00+

Dividend

1.78% - 1.93%

APY*

1.80% - 1.95%

Term

5 Year

Balance

$0.00 - $250,000.00+

Dividend

2.03% - 2.18%

APY*

2.05% - 2.20%

Term

Mortgage Saver (5 yr)

Balance

$0.00 - $50,000.00

Dividend

0.50%

APY*

0.50%

Calculators to keep your savings on track


Specialty Certificates

Online-Only Certificate

With a premium rate and a special 24-month term, our Online-Only Certificate is a simple, secure way to invigorate your savings and plan for your goals.

  • Minimum opening balance $1,000
  • Only available online
  • Early withdrawal penalty applies
  • Retail consumers only, business and non-profit not eligible
  • Offer including rate or terms may be modified or eliminated at any time

*APY: Annual Percentage Yield. The APY is 1.73% with a dividend rate of 1.75% for this 24 Month Certificate and is effective 9.14.22. Minimum opening: $1,000.00. Member must maintain minimum balance of $1,000.00 to earn dividends. Early withdrawal penalty may apply. Fees may reduce earnings. Offer is not available for businesses and non-profits. All products, services and terms are subject to change without notice.

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Mortgage Saver Certificate

Achieve the American dream sooner with the support of our unique product designed to help you save for the downpayment of your new home.

  • Open an account with as little as $50 with the option to add to it
  • Early withdrawal option after 12 months of saving
  • Ability to qualify for $500 towards closing cost

Learn more about the Mortgage Saver Certificate »

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