Share Term Certificates

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Share Term Certificates

If you’re looking to earn a higher dividend rate, invest your money in a Share Term Certificate.

  • Certificate terms range from six months to five years.
  • A minimum of $1,000 is required to open a certificate.
  • Dividends are paid monthly on the Average Daily Balance
  • Automatic rollover at maturity
Share Certificates & IRA Certificates*RateAPY
$1,000.00 Minimum
6 Month Certificate
(IRA Not Available)
3.00%3.042%
12 Month Certificate3.25%3.299%
18 Month Certificate2.00%2.018%
24 Month Certificate2.00%2.018%
36 Month Certificate2.00%2.018%
48 Month Certificate2.00%2.018%
60 Month Certificate2.00%2.018%
* Dividend Declaration Date is the Last Business Day of the Month.
APY = Annual Percentage Yield

Open a Share or IRA Certificate

Investing In Yourself Makes Sense

HolidayDayDate
New Year’s DayThursdayJanuary 1st 2026
Martin Luther King Jr Day MondayJanuary 19th 2026
Washington's Birthday
(Presidents Day)
MondayFebruary 16th 2026
Memorial DayMondayMay 25th 2026
Juneteenth National Independence DayFriday and SaturdayJune 19thand 20th 2026
Independence DaySaturdayJuly 4th 2026
Labor DayMondaySeptember 7th 2026
Columbus DayMondayOctober 12th 2026
Veterans DayWednesdayNovember 11th 2026
Thanksgiving DayThursdayNovember 26st 2026
Christmas Eve
(Early Closing 1PM)
ThursdayDecember 24th 2026, closing at 1
Christmas Day
(Closed)
Friday and SaturdayDecember 25th and 26th, closed 2026
New Year’s Eve
(Early Closing 1PM)
ThursdayDecember 31st 2026, closing at 1
New Year’s Day
(Closed)
Friday and SaturdayJanuary 1st and 2nd closed 2026