Certificates. Watch 'Em Grow.

In exchange for letting your money sit for a set amount of time, you’ll earn more of it. Low risk, no fuss. It’s that easy.

Maggie, a Minnesota resident, on a green background
Maggie, Affinity Plus Member

What You Get

Wide Range of Terms

Choose a term that fits your goals, whether it’s just a few months or up to 5 years.1

Predictable Earnings

Know how much you’ll earn, thanks to the dividend rate you lock in for the whole term.2

MyPlus Rewards™

Earn 4 MyPlus Rewards points a month per $1,000 in average daily savings balances.

Take Your Pick & Open It Online

Basic Certificate

Pick a term, make your deposit, then let the certificate do the rest.

  • $500 minimum balance
  • No limit on the amount of your single deposit
  • 3 – 60 month terms

Wahoo Certificate

There's no minimum balance, and you get 1 no-penalty withdrawal.

  • No minimum balance
  • Make an unlimited number of deposits, up to the maximum balance of $25,000
  • 12 month term

Certificate Builder

Save with a low minimum balance requirement and unlimited deposits.

  • $100 minimum balance
  • No limit on the number or the amount of deposits
  • 12 month term

Getting Started is Easy

Not a member yet?

Membership is required for loans and accounts with us. But you can apply for them and become a member at the same time.

Already a member?

Apply for loans and open additional accounts in the mobile banking app, from the More screen. Or log in to online banking, then click “Apply” in the upper-right.

We're here to help.

From video calls and chat to secure messaging, there are all kinds of ways to contact us.

Superior Money Market

Get the very best rate of all our accounts, and no minimum balance! Because you deserve flexibility.

Henry, an Affinity Plus member, on a purple background

Good To Know

The 12-month, 36-month and 60-month Basic Certificate, Certificate Builder and Wahoo Certificate are available as an Individual Retirement Account (IRA) Certificate. If you're interested in investing IRA funds into a certificate, contact us and we'll help you set this up.

Truth-in-Savings Disclosures: The rates, terms and limitations that apply to your account.

1. Certificate accounts automatically renew at the maturity date.

2. Early withdrawal penalties may apply if you withdraw funds from your account before the maturity date. For Wahoo Certificate accounts, you may make one withdrawal without penalty.