Certificate Rates | Fees Our Certificate of Deposit (CD) Accounts are term savings/investment accounts which provide members with a high yield on their savings for a specified length of time. Certificate holders are assured of a fixed interest rate and a guaranteed return on their savings through out the term of their investment, unless they prematurely withdraw funds. Interest paid monthly Interest may be credited back into the CD Early withdrawal penalties may apply Savings are federally insured up to $250,000   Regular Certificate $500 minimum to open Terms: 6 months, 1, 2, 3, 4 and 5 years EZ-Saver Certificate The Easy Saver CD offers more flexibility and earning power than most other investment accounts can offer. With a low minimum opening requirement and the opportunity to continue to make deposits at any time, this CD lives up to its name. $50 minimum to open Terms: 6 months, 1 and 2 years Make deposits anytime throughout term! Flex Certificate Our Flex CD earns interest monthly and offers the chance for a one-time "bump-up" to the current rate. $500 minimum to open Terms: 3, 4 and 5 years One-time "bump-up" to current rate!