Lock in a competitive rate and watch your money grow with zero risk. Our 18 Month Certificate delivers predictable, guaranteed returns backed by FDIC insurance.
3.65%
Annual Percentage Yield
18
Month Term
$500
Minimum Opening Deposit
FDIC
Insured up to $250K
A certificate is the smart choice when you want guaranteed growth with zero market risk.
Your 3.65% APY is guaranteed for the full 18-month term — no matter what happens to interest rates in the market.
Unlike stocks or mutual funds, certificates are not tied to market performance. Your principal is always 100% safe.
Know exactly how much you'll earn at maturity. Great for short-term saving goals like a home down payment or vacation fund.
Choose to automatically renew at maturity at the then-current rate, or withdraw your funds with a 10-day grace period.
Start with as little as $500. The more you deposit, the more you earn — compounding interest works in your favor.
Track your certificate balance and accrued interest anytime through our secure online banking portal or mobile app.
Estimated earnings over 18 months at 3.65% APY
| Deposit Amount | Interest Earned | Total at Maturity |
|---|---|---|
| $1,000 | $54.75 | $1,054.75 |
| $5,000 | $273.75 | $5,273.75 |
| $10,000 | $547.50 | $10,547.50 |
| $25,000 | $1,368.75 | $26,368.75 |
| $50,000 | $2,737.50 | $52,737.50 |
*Estimated figures based on 3.65% APY compounded monthly. Actual earnings may vary slightly. Rates subject to change at renewal.
Open your 18 Month Certificate today and start earning guaranteed returns. Takes less than 5 minutes online.