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Certificate Accounts

Certificate accounts are a safe, secure way to save for any goal. 
  •  Investors Bullet 4 A
    Low minimum opening balances make certificate accounts affordable for all for a variety of investors
  • Money Market Account Bullet 4 A
    Earn higher yields than savings, checking, and tiered money market accounts
  • My Credit Union Gov Bullet 4 A
    Your accounts are insured by the National Credit Union Share Insurance Fund to at least $250,000 Visit to learn more about your Share Insurance Coverage and to access resources including a Share Insurance estimator tool, publications, videos, and more

Get Started

Open an Account Online

What to Expect

Certificate Accounts 2

Certificate Accounts

  • Flexible terms of 3, 6, 12, 24, 36, 48, and 60 months
  • $500 minimum deposit
  • Higher APYs for opening deposits of $50,000 and $100,000
  • Available as an IRA
  • Can be pledged as collateral for a secured loan
  • Receive certificate account maturity notifications via text or email with CUAlerts

Regular fixed-rate certificate accounts can be opened online from the Additional Services menu within Internet Banking1, at any branch, or over the phone.



Flex Rate Certificate Accounts

The true strength of our Flex Rate Certificate Account lies in its ability to keep pace with today’s changing market.

  • Flex rate tied to the 3-month Treasury Bill 1, plus an additional .25%.
  • 12-month term
  • $750 minimum balance
  • Available as an IRA
Variable Rate 2
Save Smart 2

Save Smart
Certificate Account

We’re committed to helping our youngest savers build a healthy financial future. We’ve cut the minimum opening balance in half for our Save Smart Certificate Account to make it easier for them to start saving earlier.

  • 8-month term
  • $250 to open

12-Month Certificate Account Rate

Dividend Rate
Minimum to open

View all rates and disclosures


By laddering, or staggering your certificate account maturity dates and amounts, you can ensure maturities for more liquidity in case of emergency or projected need. Laddering works to your benefit by helping you avoid penalties that occur from cashing out a certificate account before its maturity. Explore Laddering


Receive a text or email notification via CUAlerts about when your certificate account is maturing. When setting up the alert, you specify how many days in advance of the maturity you'd like to be notified. To set up this alert, access CUAlerts from within Internet Banking or Mobile Banking.

Useful Resources

Monitor your account balances and account activity through CUAlerts text and email notifications.

Monitor Accounts

1 The minimum to open a 12-month Flex Certificate Account and earn the stated APY is $750. The APY is determined by adding .25% to the 3-month Treasury Bill auction investment rate on the last Thursday of each quarter. The dividend rate is subsequently calculated based on the indexed APY. Rate subject to change after account opening. Fees or other conditions could reduce earnings on the account. Substantial penalty imposed for early withdrawal. Available as an IRA.