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Share Certificates

Take advantage of competitive rates, flexible terms and guaranteed returns.

Empower Your Savings to Grow Faster

Lock in higher interest rates & avoid the risk of market-based investments.
 

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Your Choice Of Commitment

Check your savings calendar and choose timelines ranging from 3 to 60 months.

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Interest^ Compounded Monthly

Dividends are credited monthly, or you may request a check or transfer to your RadiFi account.

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Easy To Manage & Renew

If you appreciate savings on auto-pilot, certificates can be automatically renewed at maturity.

Featured Short Term Certificates

3-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

 

6-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.793%

Annual Percentage Yield*

4.900%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.841%

Annual Percentage Yield*

4.950%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.937%

Annual Percentage Yield*

5.050%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

5.032%

Annual Percentage Yield*

5.150%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

5.128%

Annual Percentage Yield*

5.250%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

5.175%

Annual Percentage Yield*

5.300%


 

11-Month Member Exclusive Share Certificate Special


Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier. The 11-Month Share Certificate Member Exclusive Special cannot be opened through RadiFi Digital Banking. Please visit your neighborhood branch or call 904-475-8000 to open this share certificate.


Tiered Structure

$500-$2,499.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%


Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%


Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%


Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.793%

Annual Percentage Yield*

4.900%


Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.841%

Annual Percentage Yield*

4.950%


Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.937%

Annual Percentage Yield*

5.050%


Tiered Structure

$500,000-$749,999.99

Dividend Rate

5.032%

Annual Percentage Yield*

5.150%


Tiered Structure

$750,000-$999,999.99

Dividend Rate

5.128%

Annual Percentage Yield*

5.250%


Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

5.175%

Annual Percentage Yield*

5.300%


 

Current Certificate Promotions

13-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.362%

Annual Percentage Yield*

4.450%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.362%

Annual Percentage Yield*

4.450%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.745%

Annual Percentage Yield*

4.850%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.985%

Annual Percentage Yield*

5.101%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.985%

Annual Percentage Yield*

5.101%

 

17-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.458%

Annual Percentage Yield*

4.550%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.650%

Annual Percentage Yield*

4.750%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.745%

Annual Percentage Yield*

4.850%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.889%

Annual Percentage Yield*

5.000%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.889%

Annual Percentage Yield*

5.000%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.889%

Annual Percentage Yield*

5.000%

 

23-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.218%

Annual Percentage Yield*

4.300%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.314%

Annual Percentage Yield*

4.400%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.362%

Annual Percentage Yield*

4.450%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.410%

Annual Percentage Yield*

4.500%

 

31-Month Share Certificate Special (New Money Only)

Minimum balance to earn dividends

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Promotional Share Certificate accounts must be opened with new money only. New money is defined as funds not currently on deposit with RadiFi. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Minimum balance to earn dividends

$2,500-$24,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$25,000-$49,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$50,000-$99,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$100,000-$249,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$250,000-$499,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$500,000-$749,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$750,000-$999,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Minimum balance to earn dividends

$1,000,000 OR HIGHER

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

 

OPEN YOUR CERTIFICATE TODAY

Most certificates can be opened through digital banking, in-branch or by calling us at 904-475-8000.

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904-475-8000

Share & IRA Certificates

3-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

6-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.698%

Annual Percentage Yield*

4.800%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.793%

Annual Percentage Yield*

4.900%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.841%

Annual Percentage Yield*

4.950%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.937%

Annual Percentage Yield*

5.050%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

5.032%

Annual Percentage Yield*

5.150%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

5.128%

Annual Percentage Yield*

5.250%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

5.175%

Annual Percentage Yield*

5.300%

12-Month Term Certificate


Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.


Tiered Structure

$500-$2,499.99

Dividend Rate

2.618%

Annual Percentage Yield*

2.650%


Tiered Structure

$2,500-$24,999.99

Dividend Rate

2.667%

Annual Percentage Yield*

2.700%


Tiered Structure

$25,000-$49,999.99

Dividend Rate

2.716%

Annual Percentage Yield*

2.750%


Tiered Structure

$50,000-$99,999.99

Dividend Rate

2.813%

Annual Percentage Yield*

2.850%


Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.784%

Annual Percentage Yield*

3.850%


Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%


Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.880%

Annual Percentage Yield*

3.950%


Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%


Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.977%

Annual Percentage Yield*

4.050%

18-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

2.667%

Annual Percentage Yield*

2.700%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

2.716%

Annual Percentage Yield*

2.750%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

2.765%

Annual Percentage Yield*

2.800%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

2.862%

Annual Percentage Yield*

2.900%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.008%

Annual Percentage Yield*

3.050%

24-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.832%

Annual Percentage Yield*

3.900%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

30-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.154%

Annual Percentage Yield*

3.200%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.251%

Annual Percentage Yield*

3.300%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.300%

Annual Percentage Yield*

3.350%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.348%

Annual Percentage Yield*

3.400%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.397%

Annual Percentage Yield*

3.450%

36-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/2024 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

4.073%

Annual Percentage Yield*

4.150%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

4.073%

Annual Percentage Yield*

4.150%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

4.073%

Annual Percentage Yield*

4.150%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

4.121%

Annual Percentage Yield*

4.200%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.169%

Annual Percentage Yield*

4.250%

48-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.687%

Annual Percentage Yield*

3.750%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.735%

Annual Percentage Yield*

3.800%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.784%

Annual Percentage Yield*

3.850%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.977%

Annual Percentage Yield*

4.050%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

4.025%

Annual Percentage Yield*

4.100%

60-Month Term Certificate

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield. APY is effective as of 02/02/24 and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$500-$2,499.99

Dividend Rate

3.639%

Annual Percentage Yield*

3.700%

Tiered Structure

$2,500-$24,999.99

Dividend Rate

3.639%

Annual Percentage Yield*

3.700%

Tiered Structure

$25,000-$49,999.99

Dividend Rate

3.639%

Annual Percentage Yield*

3.700%

Tiered Structure

$50,000-$99,999.99

Dividend Rate

3.735%

Annual Percentage Yield*

3.800%

Tiered Structure

$100,000-$249,999.99

Dividend Rate

3.784%

Annual Percentage Yield*

3.850%

Tiered Structure

$250,000-$499,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$500,000-$749,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$750,000-$999,999.99

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Tiered Structure

$1,000,000 OR HIGHER

Dividend Rate

3.928%

Annual Percentage Yield*

4.000%

Personal Goal Savings Certificates

Select a short or long term goal and reach your target balance sooner.

Personal Goal Short Term Certificates (12 or 18 month term)

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield and is effective as of 2/2/2024, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$0.01-$500

Dividend Rate

0.499%

Annual Percentage Yield*

0.50%

Tiered Structure

$501-$1,000

Dividend Rate

0.598%

Annual Percentage Yield*

0.60%

Tiered Structure

$1,001-$1,500

Dividend Rate

0.747%

Annual Percentage Yield*

0.75%

Personal Goal Longer-Term Variable Rate Certificates (36 month or 60 month terms)

Tiered Structure

Dividend Rate

Annual Percentage Yield*

*APY = Annual Percentage Yield and is effective as of 02/02/2024, and subject to change at any time without notice. Early withdrawal penalties may apply. Fees may reduce earnings. The minimum balance to open and earn APY is the lowest amount in each tier.

Tiered Structure

$0.01 to $2,500

Dividend Rate

0.747%

Annual Percentage Yield*

0.75%

Tiered Structure

$2,501-$5,000

Dividend Rate

0.847%

Annual Percentage Yield*

0.85%

Tiered Structure

$5,001-$7,500

Dividend Rate

0.896%

Annual Percentage Yield*

0.90%

Tiered Structure

$7,501-$10,000

Dividend Rate

0.995%

Annual Percentage Yield*

1.00%

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Most certificates can be opened through digital banking, in-branch or by calling us at 904-475-8000.

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