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

1.75%

APY*

1.77%

6 Month Certificate

1.85%

APY*

1.87%

8-Month Certificate (Promotional offer for new accounts only)

3.92%

APY*

4.00%

12 Month Certificate

2.00%

APY*

2.02%

13-Month Certificate (Promotional offer for new accounts only)

4.40%

APY*

4.50%

18 Month Certificate

2.10%

APY*

2.12%

24 Month Certificate

2.20%

APY*

2.22%

30 Month Certificate

2.30%

APY*

2.33%

36 Month Certificate

3.00%

APY*

3.05%

48 Month Certificate

3.25%

APY*

3.30%

60 Month Certificate

3.35%

APY*

3.41%

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

1.95%

APY*

1.97%

8-Month Certificate (Promotional offer for new accounts only)

3.92%

APY*

4.00%

12 Month Certificate

2.10%

APY*

2.12%

13-Month Certificate (Promotional offer for new accounts only)

4.40%

APY*

4.50%

24 Month Certificate 

2.30%

APY*

2.33%

36 Month Certificate

3.10%

APY*

3.15%

48 Month Certificate

3.35%

APY*

3.41%

60 Month Certificate

3.45%

APY*

3.51%

IRA Certificates – Minimum Investment $1,000

Certificate Terms

Dividend Rate

8-Month Roth/Traditional/Educational (Promotional offer for new accounts only)

3.92%

APY*

4.00%

12 Month Roth/Traditional/Educational

2.00%

APY*

2.02%

13-Month Roth/Traditional/Educational (Promotional offer for new accounts only)

4.40%

APY*

4.50%

24 Month Roth/Traditional/Educational

2.20%

APY*

2.22%

36 Month Roth/Traditional/Educational

3.00%

APY*

3.05%

48 Month Roth/Traditional/Educational

3.25%

APY*

3.30%

60 Month Roth/Traditional/Educational

3.35%

APY*

3.41%

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

Certificate Terms

Dividend Rate

HSA 6 Month Certificate

1.85%

APY*

1.87%

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

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