Retirement, college expenses, dream vacations... Let’s face it, you just want your savings to GROW!

  • Low $1,000 minimum to open
  • Great account yields
  • Premium yields with deposits of $25,000 or more
  • Terms from three months to five years
  • Flexible dividend payment options


Log in to Online Banking to open a Certificate, or contact us at 800.873.5100 or
serviceplus@ithinkfi.org, or visit your local branch.

Certificate Rates

Certificate Accounts – Minimum Investment $1,000

Certificate Terms

Dividend Rate

3 Month Certificate

0.30%

APY*

0.30%

6 Month Certificate

0.40%

APY*

0.40%

12 Month Certificate

0.60%

APY*

0.60%

18 Month Certificate

0.70%

APY*

0.70%

9-Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000)

2.00%

APY*

2.02%

24 Month Certificate

1.00%

APY*

1.01%

21-Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000)

2.50%

APY*

2.53%

30 Month Certificate

1.10%

APY*

1.11%

36 Month Certificate

2.25%

APY*

2.28%

48 Month Certificate

2.50%

APY*

2.53%

60 Month Certificate

2.90%

APY*

2.94%

84 Month Certificate

3.50%

APY*

3.56%

Special Certificate Accounts for Diamond and Platinum Members – Minimum Investment $25,000

Certificate Terms

Dividend Rate

6 Month Certificate

0.50%

APY*

0.50%

12 Month Certificate

0.70%

APY*

0.70%

09-Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000)

2.00%

APY*

2.02%

24 Month Certificate 

1.10%

APY*

1.11%

36 Month Certificate

2.35%

APY*

2.38%

48 Month Certificate

2.60%

APY*

2.63%

60 Month Certificate

3.00%

APY*

3.05%

21-Month Certificate (Promotional offer for new accounts only – maximum deposit $250,000)

2.50%

APY*

2.53%

IRA Certificates – Minimum Investment $1,000

Certificate Terms

Dividend Rate

12 Month Roth/Traditional/Educational

0.46%

APY*

0.60%

9-Month Roth/Traditional/Educational (Promotional offer for new accounts only – maximum deposit $250,000)

2.00%

APY*

2.02%

24 Month Roth/Traditional/Educational

1.00%

APY*

1.01%

21-Month Roth/Traditional/Educational (Promotional offer for new accounts only – maximum deposit $250,000)

2.50%

APY*

2.53%

36 Month Roth/Traditional/Educational

2.25%

APY*

2.28%

48 Month Roth/Traditional/Educational

2.50%

APY*

2.53%

60 Month Roth/Traditional/Educational

2.90%

APY*

2.94%

Health Savings Account (HSA) Certificates – Minimum Investment $500

Certificate Terms

Dividend Rate

HSA 6 Month Certificate

0.40%

APY*

0.40%

*APY=Annual Percentage Yield. Early withdraw penalties may apply to certificates and IRA certificates accounts.

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