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Limited-Time, High-Yield 5-Month Certificates

Short-term growth designed around you.

 
Choose a 4.00% APY* Fixed Certificate or a 3.75% APY* Liquid Certificate.
 

Two Options Built Around How You Save

 
 
4.00% APY Fixed 5-Month Certificate* 3.75% APY Liquid 5-Month Certificate*
  • Optimized for predictable growth
  • Guaranteed rate for 5 months
  • Strong return
  • Clear end date
  • Optimized for flexibility
  • Access if plans shift
  • Solid earnings
  • No long-term commitment
 
 

 

 
Why Members Choose These Certificates How It Works
  • High yields on a short 5-month timeline
  • Option to lock in or stay flexible
  • Provides savers with fast, low-risk growth
  • Available as Share or IRA Certificates
  • Simple structure
  • Local support
  • Select fixed or liquid
  • Open online or in branch
  • Deposit the minimum
  • Earn for 5 months
  • At maturity, renew or withdraw 
 
 
Feature
5-Month Fixed
Certificate
5-Month Liquid
Certificate
5-Month Fixed
IRA Certificate
5-Month Liquid
IRA Certificate
APY 4.00% APY 3.75% APY 4.00% APY 3.75% APY
Access During Term Standard withdrawal penalties Flexible access, still strong earnings Standard IRA early-withdrawal rules Flexible access per IRA rules, still strong earnings
Ideal For Predictable short-term growth Members who want optional access Short-term IRA growth with certainty IRA savers who need access options
Minimum Balance $1,000 $1,000 $1,000 $1,000
Term 5 months 5 months 5 months 5 months
 
APY=Annual Percentage Yield. Annual Percentage Yields are anticipated rates and are accurate as of . Fees could reduce earnings on accounts. See our Account Agreement and Disclosure for more information. All dividend rates are subject to change at any time. Penalties may be imposed for early withdrawal of term deposits (e.g. certificates).

IRA=Individual Retirement Account
 
* Share and IRA Certificate require $1,000 minimum balance to earn 4.00% APY with a 5-month term. Liquid Share and Liquid IRA Certificate require $1,000 minimum balance to earn 3.75% APY with a 5-month term. Membership and certain restrictions apply. Rates and terms are accurate as of and are subject to change. Promotional rate is available for a limited time and may be withdrawn at any time. Liquid Share Certificate allows for penalty-free withdrawals and/or deposits at any time until maturity. Early withdrawal of Liquid IRA Certificates may result in tax liabilities. At maturity, funds will automatically convert to a non-promotional, 1-year IRA Certificate for the IRA product or 1-year Share Certificate for the Share Certificate product, at the current rate then in effect.