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

2.00%

APY*

2.02%

6 Month Certificate

2.10%

APY*

2.12%

7-Month Certificate

4.88%

APY*

5.00%

12 Month Certificate

2.25%

APY*

2.28%

13-Month Certificate

4.97%

APY*

5.10%

18 Month Certificate

2.35%

APY*

2.38%

24 Month Certificate

2.40%

APY*

2.43%

30 Month Certificate

2.40%

APY*

2.43%

36 Month Certificate

3.15%

APY*

3.20%

48 Month Certificate

3.40%

APY*

3.46%

60 Month Certificate

3.90%

APY*

3.98%

84 Month Certificate

4.00%

APY*

4.08%

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

Certificate Terms

Dividend Rate

6 Month Certificate

2.20%

APY*

2.22%

7-Month Certificate

4.88%

APY*

5.00%

12 Month Certificate

2.35%

APY*

2.38%

13-Month Certificate

4.97%

APY*

5.10%

24 Month Certificate 

2.50%

APY*

2.53%

36 Month Certificate

3.25%

APY*

3.30%

48 Month Certificate

3.50%

APY*

3.56%

60 Month Certificate

4.00%

APY*

4.08%

IRA Certificates – Minimum Investment $1,000

Certificate Terms

Dividend Rate

7-Month Roth/Traditional/Educational 

4.88%

APY*

5.00%

12 Month Roth/Traditional/Educational

2.25%

APY*

2.28%

13-Month Roth/Traditional/Educational

4.97%

APY*

5.10%

24 Month Roth/Traditional/Educational

2.40%

APY*

2.43%

36 Month Roth/Traditional/Educational

3.15%

APY*

3.20%

48 Month Roth/Traditional/Educational

3.40%

APY*

3.46%

60 Month Roth/Traditional/Educational

3.90%

APY*

3.98%

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

Certificate Terms

Dividend Rate

HSA 6 Month Certificate

2.10%

APY*

2.12%

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

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