Certificate Account

Get up to 7.00% APY* with a 12-Month Certificate

Earn a special promotional rate for the first 90 days.

Open Now Visit a Branch
Get up to 7.00% APY for the first 90 days on up to $2,500
Get 4.00% APY on the additional balance
After 90 days get 4.00% APY on the entire balance through maturity
$500 minimum opening balance and no monthly service fee

Finally, a Rate Worth Celebrating

Whether you're saving for a future purchase, building an emergency fund, or simply looking for a higher return than a traditional savings account, this limited-time Certificate helps your money grow with confidence.

How It Works

  • First 90 Days
    • 7.00% APY on balances up to $2,500
    • 4.00% APY on balances above $2,500
  • After 90 Days
    • 4.00% APY on your entire balance through maturity

Requirements

  • $500 minimum opening deposit
  • New money only
  • One Certificate per member
  • Membership required

Why Choose a Certificate Account?

A Certificate Account, sometimes called a Certificate of Deposit (CD), is a fixed-term savings account designed to help you earn a predictable return.

  • Fixed rate earnings
  • Higher savings potential than many traditional savings accounts
  • NCUA insured up to applicable limits
  • Ideal for longer-term savings goals

*APY = annual percentage yield. Available as of 10/13/26; subject to change without notice. During the first 90 days, 7.00% APY on up to $2,500 and 4.00% APY on the remaining balance. After 90 days, 4.00% APY on the entire balance through maturity. New money only: this certificate cannot be funded with money already in a KeyPoint account. Limit 1 per member determined by member and taxpayer ID number. Minimum $500 to open. Early withdrawal penalties apply.

Start saving with a Certificate
Open Your Certificate Today Visit a Branch Near You

Frequently Asked Questions

A Certificate Account is a fixed-term savings account that earns dividends for a specified period.

Yes. Credit unions generally use the term Certificate Account, while banks typically use Certificate of Deposit (CD).

A minimum opening deposit of $500 is required.

Yes. Eligible deposits are federally insured by the NCUA up to applicable limits.

You can withdraw your funds, transfer them, or roll them into another Certificate.

Early withdrawal penalties may apply.

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