Certificates

With terms from 3 months to 6 years, lock in savings that grow your money at a guaranteed rate. Check out today's rates!
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Rates as high as 4.44% APY

CERTIFICATES

For security-minded savers looking to grow money for a set amount of time.

Competitive rates

Earn up to 4.25% APY!

Term options galore

A wide range of choices from 3- to 72-month terms. 

Safe and secure

Certificates are NCUA insured and rates are fixed, meaning your money isn’t subject to uncertain market fluctuations.

OPEN A CERTIFICATE

Minimum opening deposit, most Certificates
$1,000
Minimum opening deposit, IRA Certificate
$500
Works as loan collateral
Yes
Withdraw dividends without a penalty
Yes
Withdraw principal without a penalty
No
Monthly service fees
None

When to start saving for retirement

READ MORE

Certificates1 and IRA Certificates2

Product APY
3- to 5-month

0.25%
6- to 11-month

0.40%
12- to 17-month

4.00%

17-month promotional3

4.25%
18- to 23-month

4.00%
24- to 35-month

4.00%
36- to 47-month

4.00%
48- to 59-month

4.44%
60- to 72-month

4.00%

Rates accurate as of 03/21/2025

1

APY = Annual Percentage Yield. Rates effective as of 03/21/2025 and are subject to change. Fees may reduce earnings. $1,000 minimum balance requirement to open most Certificates. The APY is based on an assumption that dividends will remain in the account until maturity. Early withdrawal penalties may apply.

2

APY = Annual Percentage Yield. Rates effective as of 03/21/2025. Fees may reduce earnings. Early withdrawal taxes and penalties may apply. $500 minimum balance requirement to open most IRA Certificates. The APY is based on an assumption that dividends will remain in the account until maturity. Information contained on this website does not constitute legal or tax advice. Individuals should consult with their financial adviser and/or attorney.

3

APY = Annual Percentage Yield. Rates effective as of 03/21/2025. Fees may reduce earnings. $25,000 new money balance requirement to open. The APY is based on an assumption that dividends will remain in the account until maturity. Early withdrawal penalties may apply.

FREQUENTLY
ASKED QUESTIONS

WHAT IS A CERTIFICATE?

A Certificate account allows you to save for a specific amount of time at a specific rate. If you avoid withdrawing your money during the specified timeframe, you earn dividends at the rate you signed up for. 

HOW DOES A CERTIFICATE WORK?

Certificates are focused on earning you dividends in a simple, straightforward way. You deposit the full amount of money you want to receive earnings on. Those funds are held for the length of time, or term, you’ve agreed to. Your principal and accrued dividends are returned to you at maturity — the end of the Certificate’s term. 

WHAT HAPPENS IF I NEED TO ACCESS MY MONEY BEFORE A CERTIFICATE MATURES?

If you need access to your principal deposit funds before the end of your term, you can make a withdrawal. But typically, a penalty will be applied. You can, however, access any dividends you earn, penalty free. 

WHAT HAPPENS TO THE MONEY IN MY CERTIFICATE WHEN MY TERM EXPIRES?

Certificates renew automatically. This way, you never stop earning dividends. But you can also take advantage of this time to move your money. We will remind you when your Certificate is expiring, and you have a 10-day grace period to make withdrawals, additions, or transfer the funds to a different Certificate. 

WHAT’S THE DIFFERENCE BETWEEN A CERTIFICATE AND A CD?

What some financial institutions may refer to as a CD, Numerica calls a Certificate. (Some credit unions also label it a share certificate.) The concept is identical, even if some of the terminology isn’t. For instance, at Numerica, you are a member-owner earning dividends from a Certificate. At a bank that offers CDs, you are a customer earning interest. 

WHAT IF I HAVE MORE QUESTIONS ABOUT CERTIFICATES?

Check out these pros and cons of a Certificate, which includes an expanded section of FAQs. And, of course, we’re always here for your questions. Reach out to us at your convenience. 

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