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Deposit Rates
Money Market
/ APY
Checking
/ APY
Z-Share
/ APY
Quoted Rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.

Share Term Certificate (STC)

A share term certificate is a high-yield, fixed term investment account. The interest rate is higher than a money market account; however accessibility is much more limited. A share term certificate is a great way to save for long term goals such as buying a car or saving for college.
  • $ minimum opening deposit
  • No service charge
  • Interest rate remains the same for the duration of the certificate
  • Most share term certificates have a higher interest rate than a money market account
  • Interest rates increase as the maturity period lengthens
  • Maturity periods of 6, 12, 18, 24, 30, 36, 48 and 60 months
  • No withdrawals or deposits can be made except for canceling the certificate
  • Fees for canceling a certificate is 90 days interest or all interest earned, whichever is less
  • Interest automatically transfers monthly to another deposit account (Z-Share, checking or money market)1
  • At the end of the maturity period, you have the option to renew the certificate at the current interest rate
This table shows you the interest rate for each maturity period. As you can see, a certificate with a longer maturity period has a higher interest rate.


1On 6 and 12-month certificates, members can request that, at maturity, earned interest be transferred or added to principal for renewal.
2Quoted rates and annual percentage yields (APY) are subject to change daily.