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.

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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

Competitive Rates

Earn dividends on your certificate at competitive rates.2

Interest accrues daily and compounds monthly.

Certificate Resources

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 maximum on the amount of your single deposit. Online funding limits may apply.†
  • 3 – 66 month terms
Open an Account See Current Rates

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. Online funding limits may apply.†
  • 12 month term
Open an Account See Current Rates

Certificate Builder

Save with a low minimum balance requirement and unlimited deposits.

  • $100 minimum balance
  • No maximum on the number or the amount of deposits. Online funding limits may apply.†
  • 12 month term
Open an Account See Current Rates

Getting Started is Easy

Not a member yet?

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

Already a member?

To open an additional account, log in to digital banking and select “Open an Account” from the menu.

We're here to help.

If you have questions or need help with anything, please contact us.

Superior Money Market

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

See Details
Henry, an Affinity Plus member, on a purple background
Henry, Affinity Plus Member

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.

†Funding your New Certificate Online

When you open a certificate online, there are funding limits based on the source of your funds.

  • External Accounts (transfers from accounts at other institutions: $5,000 funding limit
  • Internal Accounts (transfers from your Affinity Plus accounts): $50,000 funding limit

For higher funding limits, please visit one of our branches or contact us. We’re happy to discuss options to make opening your certificate as smooth as possible.