Savings Share Certificates When it comes to investing, you have a range of choices. Round out your portfolio with a risk-free share certificate and enjoy fixed rates at a term length of your choice. Use risk-free share certificates to guarantee your return on investment When it comes to investing, you have a range of choices. Round out your portfolio with a risk-free share certificate and enjoy fixed rates at a term length of your choice. Typically, the longer you wait, the higher your rate of return. Because they’re guaranteed, they are a smart way to reach short-term financial goals. Guaranteed returns Fixed rates Dividends may be compounded or paid directly to you Longer terms earn higher rates Various terms to choose from 3 months to 5 years Add funds to a 12 month certificate at any time All certificates subject to $1,000 minimum Get a higher rate on the certificate at any time* Penalty for early withdrawal applies Federally insured by the NCUA up to $250,000 Today’s Share Certificate Rates Share Certificates Certificate Term Minimum Opening Balance Rate APY One-year Bump-Up: Member has option for a one-time opportunity to raise the rate on the certificate to a higher rate if offered for the same term. Variable rate. One-year Add-On: Member also has the opportunity to add to this certificate at any time during the certificate term. Minimum addition is $1000.00. Penalty for early withdrawal. Certificate Term 3 Months Minimum Opening Balance $100 Rate 0.10% APY 0.10% Certificate Term 6 Months Minimum Opening Balance $100 Rate 0.15% APY 0.15% Certificate Term 12 Months ** Minimum Opening Balance $100 Rate 0.20% APY 0.20% Certificate Term 24 Months Minimum Opening Balance $100 Rate 0.30% APY 0.30% Certificate Term 36 Months Minimum Opening Balance $100 Rate 0.499% APY 0.50% Certificate Term 48 Months Minimum Opening Balance $100 Rate 0.598% APY 0.60% Certificate Term 60 Months Minimum Opening Balance $100 Rate 0.747% APY 0.75% Open a Share Certificate Today Visit a branch Schedule an appointment Have Questions? Submit any Questions Call Us (661)327-9461 Toll Free: (800)336-5376 Disclosures * Bump Up allows a one-time rate increase during the term to the current offered rate for a 12-month certificate in effect at the time of increase.