Certificates

Lock in a rate and let it grow.

Set aside money you won’t need for a while at a credit union the members own. The dividend rate is set the day you open it.

See certificate rates

Earn up to

4.10 % APY*

18-Mo Certificate

Why save here

Got something big coming up?

Some money has a job down the road, like a new roof in a couple of years or a head start for the grandkids. A certificate keeps it set aside and earning until then, at a rate that won’t change on you.

  • Terms from 6 months to 5 years
  • Your rate is fixed for the full term
  • Federally insured by NCUA
  • Need cash early? Borrow against it at 3% above the certificate rate
Call (256) 383-6551Compare all terms →

Today’s rates

Certificate rates

Longer terms don’t always pay more, so compare every term before you pick one.

Product You earn
6-Mo Certificate 3.50 % APY*
12-Mo Certificate 3.80 % APY*
15-Mo Certificate 3.95 % APY*
18-Mo Certificate 4.10 % APY*
24-Mo Certificate 4.00 % APY*
36-Mo Certificate 3.30 % APY*
48-Mo Certificate 3.40 % APY*
60-Mo Certificate 3.50 % APY*
See all rates

Savings calculator

Run the numbers on a term.

Pick a term and an amount. This uses today’s rates.

Balance after 6 months

$5,087

Rate
3.50% APY
Term
6 months
Dividends
$87
You put in
$5,000

Call (256) 383-6551

How to open

Three steps to a locked-in rate.

  1. Step 1

    Pick a term

    Choose how long to set the money aside, from 6 months to 5 years.

  2. Step 2

    Open it

    Call (256) 383-6551 or stop by the branch at 1705 E. 17th Street.

  3. Step 3

    Let it grow

    Your rate holds until the certificate matures.

Call (256) 383-6551

Questions

Certificate questions

Don’t see yours? Call (256) 383-6551, Monday–Friday, 8 to 5.

What is a certificate?

It’s the credit union version of a CD. You set money aside for a fixed term, and it earns a fixed rate until it matures.

What terms can I choose?

You can choose 6, 12, 15, 18, 24, 36, 48 or 60 months. The rates table above shows what each one earns today.

Is the rate fixed?

Yes. It stays the same for the full term.

What if I need the money early?

A penalty may apply if you withdraw before the certificate matures. You can also borrow against it at 3% above the certificate rate and leave it earning.

Is it insured?

Yes. Certificates are federally insured by NCUA to at least $250,000.

Do I need to be a member?

Yes. Membership starts with $25 in Share Savings. You can apply for membership online.

More ways to save and borrow

Ready for what’s next.

Rates effective April 8, 2026. *APY = Annual Percentage Yield. Rates subject to change without notice. The Share Savings rate is variable and can change after the account is opened. Fees may reduce earnings. A penalty may be imposed for early withdrawal on certificates.

Certificates

Lock in today’s rate.

Call (256) 383-6551 or stop by the branch to pick the term that fits when you’ll need the money.

Call (256) 383-6551See certificate rates