Share CertificateEarn a Higher Return Than Traditional Savings Accounts
If you want to earn a higher interest rate than you get with most savings accounts, a share certificate, also known as “certificate of deposit” are a great way to grow your savings. If you don’t need your savings account for a fixed amount of time, keep the money in your account and watch your savings grow! The returns are guaranteed, and they typically earn a better annual percentage yield than a savings or checking account. When you commit to keep your money invested for a certain amount of time (6 to 60 months), you may face a penalty for early withdrawal, but you can earn higher interest if your money is invested for a set amount of time.
- Minimum deposit of $500
- Term options from 3 months to 60 months
- Higher rates than a Savings account
- Safe and secure investment
- Watch your money grow
Open a certificate account
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MEMBER DEPOSITS ARE NOW INSURED UP TO$1,000,000
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Certificates
Rate Effective Date: November 1, 2025
| Term | Minimum Balance | Annual Percentage Yield (APY) | Rate |
|---|---|---|---|
| 3 months* | $500 | 2.750% | 2.716% |
| 6 months* | $500 | 2.750% | 2.716% |
| 12 months | $500 | 3.250% | 3.203% |
| 18 months | $500 | 3.000% | 2.960% |
| 24 months | $500 | 2.750% | 2.716% |
| 36 months | $500 | 2.750% | 2.716% |
| 48 months | $500 | 2.750% | 2.716% |
| 60 months | $500 | 2.650% | 2.618% |
| Save to Win Certificate 12 months** | $25 | 3.000% | 2.960% |
*Not available for IRA Share Certificates
+ Personal Accounts only. +See Provision 8 for details about the Thrive Rewards Checking account
**See Provision 9 for Save to Win details or visit us online at: Save to Win
Open a certificate account
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