Grow Your Savings with an iTHINK Financial Certificate.
What Is a Savings Certificate?
A savings certificate is a credit union account that lets you deposit a set amount for a specific term and earn a fixed dividend rate. Your rate stays the same throughout the term. Certificates are designed to hold your savings until maturity; early withdrawals may be subject to penalties.
iTHINK Financial offers several certificate options:
Certificate Accounts: Open with a minimum of $1,000, with terms ranging from 3 to 84 months.
IRA Certificates: Traditional and Roth Certificates require a $1,000 minimum deposit, with standard terms ranging from 12 to 84 months. Education Certificates are available in 12- and 60-month terms.
Special Certificate Accounts: Open with a minimum of $25,000 and earn higher rates than standard Certificate Accounts for the same term.
HSA Certificates: Open with a minimum of $500 for a 6-month term.
Promotional Certificates: Choose a 10- or 45-month term with a minimum investment of $1,000, including Premium and IRA/IRA Roth options.
Membership is required. You can establish your membership when opening your certificate.
Certificate Account Features and Benefits
- $1,000 minimum to open most Certificates
- HSA Certificates available with a $500 minimum deposit
- Higher standard rates with Special Certificate Accounts starting at $25,000
- Standard terms ranging from 3 to 84 months
- Fixed dividend rates throughout your certificate term
- Flexible dividend payment options
Certificate Rates Effective November 1, 2026
Earn 4.25% APY* with a 10-Month Promotional Certificate, including the 10-Month Premium Certificate and 10-Month IRA/IRA Roth Certificate.
For a longer term, earn 4.00% APY* with a 45-Month Promotional Certificate, including the 45-Month Premium Certificate and 45-Month IRA/IRA Roth Certificate.
All of these promotional certificates require a minimum investment of $1,000. Promotional certificates that automatically roll over will earn the standard rate.
Among standard certificate options, the highest APY is 3.40% APY* on the 84-Month Special Certificate Account, with a minimum investment of $25,000.
Standard Certificate Accounts with a $1,000 minimum deposit offer 2.20% APY* for 12 months, 2.90% APY* for 36 months, and 3.20% APY* for 60 months. The 6-Month HSA Certificate offers 2.05% APY* with a $500 minimum deposit.
Ready to grow your savings? Log in to Digital Banking to open a Certificate, call 800.873.5100, email serviceplus@ithinkfi.org, or visit your local branch.
APY = Annual Percentage Yield. Rates are effective November 1, 2026. Contact a Member Service Advisor, or visit the Credit Union office nearest you, for more information on rates, fees, terms, penalties, and conditions.
Certificate Rates
Effective November 1, 2026
Your Credit Union makes it easy to grow your savings with a variety of certificate options. The minimum opening deposit is $1,000 unless otherwise noted.
Promotional Certificates – Minimum Investment $1,000
| Certificate Terms | Dividend Rate | APY* |
|---|---|---|
| 10 Month Certificate1 | 4.16% | 4.25% |
| 10 Month Premium Certificate1 | 4.16% | 4.25% |
| 10 Month IRA/IRA Roth Certificate1 | 4.16% | 4.25% |
| 45 Month Certificate1 | 3.92% | 4.00% |
| 45 Month Premium Certificate1 | 3.92% | 4.00% |
| 45 Month IRA/IRA Roth Certificate1 | 3.92% | 4.00% |
Certificate Accounts – Minimum Investment $1,000
| Certificate Terms | Dividend Rate | APY* |
|---|---|---|
| 3 Month Certificate | 1.93% | 1.95% |
| 6 Month Certificate | 2.03% | 2.05% |
| 12 Month Certificate | 2.17% | 2.20% |
| 24 Month Certificate | 2.37% | 2.40% |
| 36 Month Certificate | 2.86% | 2.90% |
| 48 Month Certificate | 3.10% | 3.15% |
| 60 Month Certificate | 3.15% | 3.20% |
| 84 Month Certificate | 3.25% | 3.30% |
IRA Certificates – Minimum Investment $1,000
| Certificate Terms | Dividend Rate | APY* |
|---|---|---|
| 12 Month Traditional/Roth Certificate | 2.17% | 2.20% |
| 24 Month Traditional/Roth Certificate | 2.37% | 2.40% |
| 36 Month Traditional/Roth Certificate | 2.86% | 2.90% |
| 48 Month Traditional/Roth Certificate | 3.10% | 3.15% |
| 60 Month Traditional/Roth Certificate | 3.15% | 3.20% |
| 84 Month Traditional/Roth Certificate | 3.25% | 3.30% |
| 12 Month Education Certificate | 2.17% | 2.20% |
| 60 Month Education Certificate | 3.15% | 3.20% |
Special Certificate Accounts – Minimum Investment $25,000
| Certificate Terms | Dividend Rate | APY* |
|---|---|---|
| 3 Month Certificate | 2.03% | 2.05% |
| 6 Month Certificate | 2.13% | 2.15% |
| 12 Month Certificate | 2.27% | 2.30% |
| 24 Month Certificate | 2.47% | 2.50% |
| 36 Month Certificate | 2.96% | 3.00% |
| 48 Month Certificate | 3.20% | 3.25% |
| 60 Month Certificate | 3.25% | 3.30% |
| 84 Month Certificate | 3.34% | 3.40% |
Health Savings Account (HSA) Certificate – Minimum Investment $500
| Certificate Terms | Dividend Rate | APY* |
|---|---|---|
| HSA 6 Month Certificate | 2.03% | 2.05% |
* APY = Annual Percentage Yield.
1 Promotional Certificate offer: Certificates that automatically roll over will earn the standard rate.
Contact a Member Service Advisor, or visit the Credit Union office nearest you, for more information on rates, fees, terms, penalties, and conditions.
How to Open a New Certificate
How to Open a New Certificate in the Digital Banking App
- Log in to our Digital Banking App.
- Once you log in, you will be on the Accounts screen. Scroll to the bottom of the screen and select Open New Account.
- On the Select Membership screen, choose your individual membership.
- Browse the available account options and select the Certificate you would like to open.
- Select Continue.
- Review and agree to the Terms and Conditions.
- Follow the remaining prompts to fund your Certificate and complete the account-opening process.
How to Open a New Certificate in Digital Banking
- Log in to Digital Banking.
- Once you log in, click on the slider menu and select Open New Account.
- On the Select Membership screen, choose your individual membership.
- Browse the available account options and select the Certificate you would like to open.
- Select Continue.
- Review and agree to the Terms and Conditions.
- Follow the remaining prompts to fund your Certificate and complete the account-opening process.
Rates are subject to change. Fees may reduce earnings. See the applicable account disclosure for complete terms and conditions.
Frequently Asked Questions
Learn more about opening and managing an iTHINK Financial Certificate Account.
What is an iTHINK Financial Certificate Account?
An iTHINK Financial Certificate Account is a savings account that earns a fixed dividend rate for a selected term. In exchange for keeping your money on deposit until maturity, you may earn a higher rate than with a regular savings account. Early withdrawal penalties may apply.
How do I open a Certificate Account?
You can open a Certificate Account through Digital Banking or at an iTHINK Financial branch. In Digital Banking, select Open New Account, choose a Certificate Account and follow the prompts. You will need funds to make your opening deposit.
What is the minimum deposit for an iTHINK Financial Certificate Account?
Certificate Accounts and IRA Certificates require a minimum opening deposit of $1,000. Special Certificate Accounts require a minimum opening deposit of $25,000. Health Savings Account Certificate Accounts require a minimum opening deposit of $500.
Can I withdraw money from my Certificate Account before maturity?
Yes, but an early withdrawal penalty may apply if you withdraw funds before the Certificate Account matures. The penalty depends on the Certificate Account term and is described in the applicable account disclosure. Contact iTHINK Financial before making an early withdrawal.
What happens when my Certificate Account matures?
At maturity, you may renew your Certificate Account, choose a different term or withdraw your funds, subject to the terms of your account. If no instructions are provided, your Certificate Account may renew automatically. Review your maturity notice or contact iTHINK Financial for details about your options.
Are iTHINK Financial Certificate Accounts federally insured?
Yes. Funds in iTHINK Financial Certificate Accounts are federally insured by the National Credit Union Administration, a federal agency. IRA Certificate Accounts may have additional tax considerations. For information about your account, contact iTHINK Financial or consult a qualified tax advisor.
*APY=Annual Percentage Yield. Early withdrawal penalties may apply to certificates and IRA certificate accounts.
Rate Effective Date: November 1, 2026, subject to change
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