Grow your money with competitive rates and guaranteed returns.
Best rate: 3.65% APY¹ Best rate term: 6 months
Looking for a safe, predictable way to grow your savings? Certificates let you earn higher dividends than a traditional savings account with a fixed rate and term—so you always know what to expect.
Competitive dividend rates, compounded monthly
Terms from 3 to 60 months
Choose the term that fits your budget and timeline
Compounds Monthly
1 The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account. The rate calculated on the interest rate and frequency of compounding, for the term of the certificate.
2 Early withdrawal penalties may apply on Certificates and fees may reduce earnings.
The Interest APY is variable and current as of 09/01/2026
Federally Insured by NCUA
1 The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. There is no minimum balance required to obtain this APY. Rate could change after account is opened.
2 If the daily balance should drop below $1,000 at any time during the month, the account will be charged a fee (as disclosed on the Fee Schedule) for that month, and the account will not accrue interest for those days where the balance is below $1,000. Interest will be calculated daily, compounded and credited monthly. Interest is paid on the entire balance provided the minimum amount of $1,000 is maintained on the account.
3 Interest Rewards Checking APY earned when minimum monthly requirements are met: At least 15 debit card transactions, a direct deposit or automatic credit electronically posted to the account and be enrolled in eStatements to be eligible to receive higher interest rate and ATM refunds up to $25.
4 If monthly qualifications are met in a calendar month, a higher rate of interest will be paid on balances up to $10,000 and a lower rate of interest will be paid on balances of $10,000.01 and above.
1APY - The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. Rate could change after account is opened.
Rates are current as of 09/01/2026
Minimum amount to open $0
A fee will be assessed each month the balance is below the minimum $10,000. A fee will be imposed for more than three withdrawals or transfers per month. Please refer to our Rate & Fee Schedule for fees associated with this account.
Tiers & Certificates compounds monthly.
1 The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account per year. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. Rate could change after account is opened.
Early withdrawal penalties may apply on IRAs and reduce earnings.
IRA accounts are separately insured up to $250,000 by NCUA, an agency of the Federal Government.
Coverdell ESA Savings Accounts are separately insured up to $250,000 by NCUA, an agency of the Federal Government.
Minimum amount to open $25,000. A fee will be assessed if the balance falls below the $25,000.00 minimum. A fee will be imposed for more than one (1) withdrawal or transfer per month. Please refer to our Rate & Fee Schedule for fees associated with this account.
1 The Annual Percentage Yield (APY) is the total amount of the dividends paid to be paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. There is no minimum balance required to obtain this APY. Rate could change after account is opened.
2 Holiday Savings compounds at maturity and has a $5.00 minimum balance to obtain APY.
3 The dividend rate & APY are variable and current as of 09/01/2026
2 The dividend rate and APY are variable and current as of 09/01/2026
3 Youth Account has a $5.00 minimum balance to open.
1 The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. Rate could change after account is opened. Minimum to open is $0.
View Rates
👉 Estimate your savings at maturity with our calculator.
Savings at Maturity Calculator
Want a guaranteed rate while saving for retirement? IRA Certificates combine steady growth with tax‑advantaged retirement savings.
Consult a tax advisor to understand IRA eligibility and tax advantages.2
Estimate your savings at maturity
Contact our Member Service team at 303.234.1700 | 800.279.3288 or stop by a branch to open a Certificate today.
Grow your retirement savings with tax-deferred or tax-free options.
Learn More
In-house LPL Financial Investment Center - advice, asset management, and insurance services.
¹ APY = Annual Percentage Yield. APY is the yearly return you can expect to earn on your savings, including the benefit of compounding interest. Rates are current as of 09/01/2026 and may change.
² IRA products are subject to IRS eligibility requirements. Consult a tax advisor or visit www.irs.gov for details.
Fees may reduce earnings. Early withdrawal penalties may apply.
Federally insured by NCUA.