Certificate Rates

Certificate - 3 Month

Balance

Dividend

APY*

$0.00 - $9,999.99

0.25%

0.25%

$10,000.00 - $49,999.99

0.30%

0.30%

$50,000.00 - $99,999.99

0.35%

0.35%

$100,000.00 - $249,999.99

0.40%

0.40%

$250,000+

0.50%

0.50%

Certificate - 6 Month

Balance

Dividend

APY*

$0.00 - $9,999.99

0.30%

0.30%

$10,000 - $49,999.99

0.35%

0.35%

$50,000.00 - $99,999.99

0.40%

0.40%

$100,000.00 - $249,999.99

0.45%

0.45%

$250,000.00+

0.55%

0.55%

Certificate - 9 month

Balance

Dividend

APY*

$0.00 - $9,999.99

0.40%

0.40%

$10,000.00 - $49,999.99

0.45%

0.45%

$50,000.00 - $99,999.99

0.50%

0.50%

$100,000.00 - $249,999.99

0.55%

0.55%

$250,000+

0.65%

0.65%

Certificate - 12 Month

Balance

Dividend

APY*

$0.00 - $9,999.99

1.00%

1.00%

$10,000.00 - $49,999.99

1.04%

1.05%

$50,000.00 - $99,999.99

1.09%

1.10%

$100,000.00 - $249,999.99

1.14%

1.15%

$250,000+

1.24%

1.25%

Certificate - 18 Month

Balance

Dividend

APY*

$0.00 - $9,999.99

1.09%

1.10%

$10,000.00 - $49,999.99

1.14%

1.15%

$50,000.00 - $99,999.99

1.19%

1.20%

$100,000.00 - $249,999.99

1.24%

1.25%

$250,000+

1.34%

1.35%

Certificate - 2 Year

Balance

Dividend

APY*

$0.00 - $9,999.99

1.19%

1.20%

$10,000.00 - $49,999.99

1.24%

1.25%

$50,000.00 - $99,999.99

1.29%

1.30%

$100,000.00 - $249,999.99

1.34%

1.35%

$250,000+

1.44%

1.45%

Certificate - 3 Year

Balance

Dividend

APY*

$0.00 - $9,999.99

1.29%

1.30%

$10,000.00 - $49,999.99

1.34%

1.35%

$50,000.00 - $99,999.99

1.39%

1.40%

$100,000.00 - $249,999.99

1.44%

1.45%

$250,000+

1.54%

1.55%

Certificate – 4 Year

Balance

Dividend

APY*

$0.00 - $9,999.99

1.39%

1.40%

$10,000.00 - $49,999.99

1.44%

1.45%

$50,000.00 - $99,999.99

1.49%

1.50%

$100,000.00 - $249,999.99

1.54%

1.55%

$250,000+

1.64%

1.65%

Certificate - 5 Year

Balance

Dividend

APY*

$0.00 - $9,999.99

1.49%

1.50%

$10,000.00 - $49,999.99

1.54%

1.55%

$50,000.00 - $99,999.99

1.59%

1.60%

$100,000.00 - $249,999.99

1.64%

1.65%

$250,000+

1.73%

1.75%

Mortgage Saver Certificate

Balance

Dividend

APY*

$0.00 - $50,000.00

2.22%

2.25%

$50,000.01 +

0.00%

0.00%

Learn more about the Mortgage Saver Certificate »

Disclosures

  • *APY = Annual Percentage Yield.

  • 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.