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.
Your Choice Of Commitment
Check your savings calendar and choose timelines ranging from 3 to 60 months.
Interest^ Compounded Monthly
Dividends are credited monthly, or you may request a check or transfer to your RadiFi account.
Easy To Manage & Renew
If you appreciate savings on auto-pilot, certificates can be automatically renewed at maturity.
Featured Share Certificates
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 5/1/2026 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. |
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|
Tiered Structure $500-$2,499.99 |
Dividend Rate 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.542% |
Annual Percentage Yield* 3.60% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.590% |
Annual Percentage Yield* 3.65% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
Minimum balance to earn dividends |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 5/1/2026 and subject to change at any time without notice. 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 3.687% |
Annual Percentage Yield* 3.750% |
|
Minimum balance to earn dividends $25,000-$49,999.99 |
Dividend Rate 3.687% |
Annual Percentage Yield* 3.750% |
|
Minimum balance to earn dividends $50,000-$99,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $100,000-$249,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $250,000-$499,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $500,000-$749,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $750,000-$999,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
|
Minimum balance to earn dividends $1,000,000 OR HIGHER |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.00% |
All Certificate Rates
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 5/1/2026 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 2.862% |
Annual Percentage Yield* 2.90% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 2.862% |
Annual Percentage Yield* 2.90% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 2.862% |
Annual Percentage Yield* 2.90% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 2.960% |
Annual Percentage Yield* 3.00% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 2.960% |
Annual Percentage Yield* 3.00% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 2.960% |
Annual Percentage Yield* 3.00% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 2.960% |
Annual Percentage Yield* 3.00% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.105% |
Annual Percentage Yield* 3.15% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.203% |
Annual Percentage Yield* 3.25% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 5/1/2026 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 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.251% |
Annual Percentage Yield* 3.30% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.542% |
Annual Percentage Yield* 3.60% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.590% |
Annual Percentage Yield* 3.65% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
|
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 5/1/2026 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. |
||
|
$500-$2,499.99 |
Dividend Rate 2.618% |
Annual Percentage Yield* 2.650% |
|
$2,500-$24,999.99 |
Dividend Rate 2.667% |
Annual Percentage Yield* 2.700% |
|
$25,000-$49,999.99 |
Dividend Rate 2.716% |
Annual Percentage Yield* 2.750% |
|
$50,000-$99,999.99 |
Dividend Rate 2.813% |
Annual Percentage Yield* 2.850% |
|
$100,000-$249,999.99 |
Dividend Rate 3.784% |
Annual Percentage Yield* 3.850% |
|
$250,000-$499,999.99 |
Dividend Rate 3.832% |
Annual Percentage Yield* 3.900% |
|
$500,000-$749,999.99 |
Dividend Rate 3.880% |
Annual Percentage Yield* 3.950% |
|
$750,000-$999,999.99 |
Dividend Rate 3.928% |
Annual Percentage Yield* 4.000% |
|
$1,000,000 OR HIGHER |
Dividend Rate 3.977% |
Annual Percentage Yield* 4.050% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 5/1/2026 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% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 5/1/2026 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 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.784% |
Annual Percentage Yield* 3.85% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.784% |
Annual Percentage Yield* 3.85% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 5/1/2026 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 3.542% |
Annual Percentage Yield* 3.600% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.542% |
Annual Percentage Yield* 3.600% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.542% |
Annual Percentage Yield* 3.600% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 5/1/2026 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 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.348% |
Annual Percentage Yield* 3.40% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 5/1/2026 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 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.397% |
Annual Percentage Yield* 3.45% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.687% |
Annual Percentage Yield* 3.75% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.784% |
Annual Percentage Yield* 3.85% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.784% |
Annual Percentage Yield* 3.85% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield. APY is effective as of 5/1/2026 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 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $2,500-$24,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $25,000-$49,999.99 |
Dividend Rate 3.300% |
Annual Percentage Yield* 3.35% |
|
Tiered Structure $50,000-$99,999.99 |
Dividend Rate 3.445% |
Annual Percentage Yield* 3.50% |
|
Tiered Structure $100,000-$249,999.99 |
Dividend Rate 3.494% |
Annual Percentage Yield* 3.55% |
|
Tiered Structure $250,000-$499,999.99 |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
Tiered Structure $500,000-$749,999.99 |
Dividend Rate 3.639% |
Annual Percentage Yield* 3.70% |
|
Tiered Structure $750,000-$999,999.99 |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
|
Tiered Structure $1,000,000 OR HIGHER |
Dividend Rate 3.735% |
Annual Percentage Yield* 3.80% |
Personal Goal Savings Certificates
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield and is effective as of 5/1/2026, 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 $1,000.01-$1,500 |
Dividend Rate 0.747% |
Annual Percentage Yield* 0.75% |
|
Tiered Structure $1,500.01 and up |
Dividend Rate 0.747% |
Annual Percentage Yield* 0.75% |
|
Tiered Structure |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
*APY = Annual Percentage Yield and is effective as of 5/1/2026, 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 $7,500.01 and up |
Dividend Rate 0.995% |
Annual Percentage Yield* 1.00% |
OUR MEMBERS EMPOWER US
We’re dedicated to empowering you, which fuels everything we do.
— Duane L., MemberI inquired about a certificate and was very pleased with the immediate response and completion of my business.
Open Your Certificate Today
Most certificates can be opened online, in-branch or by calling us at 904-475-8000.