Bump-Up Certificates
If you’re looking for a reliable way to increase your savings over time, our Bump-Up Certificates are an excellent choice. Grow your savings with the option to increase, or “Bump-Up,” your rate one time during your certificate term, with no waiting period. Activating your Bump-Up is easy, and there's no cost! If our current rate on a like-term certificate goes up, all you have to do is contact us to raise your rate.
| Bump-Up Certificate Rates | |||
| Term | Min. Balance | APR* | APY** |
| 24-month | $10,000 | 5.03% | 5.15% |
| 36-month | $10,000 | 3.92% | 4.00% |
| 60-month | $10,000 | 3.92% | 4.00% |
Why invest in a Certificate?
- Higher Earnings – If you have large amounts of cash sitting in a savings, a checking, or hidden in a box, it’s probably not earning much. Certificates have a higher return than most savings options, allowing your money to grow faster.
- Financial Security – If you invest in the stock market or cryptocurrency, you may lose money in an economic downturn. With us, your money is guaranteed to earn dividends* and is federally insured to at least $250,000. Learn more at NCUA.gov.
- Minimal Effort to Start – Just make a deposit and ask us to put it in the Bump-Up Certificate of your choice.
*APR=Annual Percentage Rate **APY=Annual Percentage Yield. APY is effective as of April 27, 2024, and is subject to change without notice. Early withdrawal penalties, restrictions, and limitations apply; fees may reduce earnings. Call for details.
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