Do you need great skills to grow your money at impressive rates? No, you just need some time.

How much time? That's your call. Whether you choose to save for a few months or several years, you can be sure you'll walk away with a good deal more than when you started.

Your choice

Save for six months, six years, or some period in between.

Nice and predictable

You'll know on day one how much you'll end up with when your certificate matures.

Looking ahead

Certificates are excellent tools for saving for retirement.

You've heard the expression, "Good things come to those who wait." That describes our certificates. Short- or long-term, every one of our certificates out-earns a typical savings account. Plus, with so many options, you can easily put your savings on a schedule that fits perfectly with your future plans.

  • Term options from 6 to 72 months
  • In general, longer-term certificates pay higher rates
  • Available as Individual Retirement Accounts (IRAs)
  • Earned dividends can be added to your certificates or transferred to another Everwise account
  • Insured up to $250,000 by the National Credit Union Administration

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Round up every debit card purchase to the nearest dollar and automatically transfer the difference from your checking to your savings account.

Dividends for standard Share Certificates are compounded monthly. Dividends for IRA and HSA Certificates are compounded quarterly. Dividends must remain in account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings. Minimum to open is $500. Visit a branch to open an IRA Certificate (not available to open online). Special terms and rates may be available. Check the Deposit Rates page for details. All HSA deposits are reported as a contribution and withdrawals as a distribution. Additional deposits can only be made at renewal. All Certificates funded via Electronic Transfer (ACH,) or with a Debit or Credit Card, will have a five (five) business day hold.
*APY = Annual Percentage Yield. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice.

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Simplify money management with flexible checking features that fit your lifestyle.

Routing Number | 271291826