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Open a Second Account: Certificate of Deposit

When you become a member, you automatically open a Membership Savings with a deposit of at least $10. That minimum balance requirement is your share in the credit union.

In addition to the Membership Savings, you can open another one at the same time. Add a checking, other savings, money market, or certificate account below.

Basic Certificate

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


  • $500 minimum balance
  • $5,000 limit on your first online deposit
  • 3 – 66 month terms with different rates
Certificate Builder

Save with a low minimum balance requirement and unlimited deposits.


  • $100 minimum balance
  • $5,000 limit on your first online deposit
  • 12 month term
Wahoo Certificate

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


  • No minimum balance
  • $5,000 limit on your first online deposit
  • Make an unlimited number of deposits, up to the maximum balance of $25,000
  • 12 month term

Good to Know

When you open a Certificate Account, your Membership Savings and initial deposit will need to be funded by an external checking account.

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 Disclosure: 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.