Member Certificates

Certificates are share accounts that have a specified term, or period of time. In return for agreeing to leave funds in your account for a fixed term, you'll enjoy the benefit of higher dividend rates.

High rates. Choice of terms. Guaranteed returns. Safety.
What more can you ask?

Certificates are the ideal investment when you want guaranteed rates and peace of mind. You’ll get higher yields than an ordinary savings account—and your funds are guaranteed to grow. In exchange for some of our highest rates, all we ask is that you commit to leave the funds in the account for the term of your choosing.

Choose from 6 months to 3 years for your longer-term savings needs. With a minimum deposit as low as $1,000 you will earn a higher Annual Percentage Yield (APY). Dividends are compounded and credited monthly and at maturity. A penalty may be imposed for early withdrawal.

Special Certificates for Supporters and Nonmembers

Serving under-resourced urban neighborhoods often leaves the credit union with a need for more deposits than members can provide. We offer special certificates for investors who wish to support our efforts. The return on these certificates ranges from to full market rates to 0.00 APY for our Omega Supporter Certificate. A lower rate helps us afford the extra expenses of fully serving underserved members and neighborhoods.

Accounts are Federally insured by NCUA to at least $100,000 per account and backed by the full faith and credit of the United States Government.