Certificates
For longer-term savings, you can invest in a variety of share certificates with terms from three months to five years. All terms have a minimum balance of $1,000.
Rates
3 Month Certificates
3 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.10% |
| Jumbo Certificate |
$100,000 |
0.10% |
| Millionaire Certificate |
$1,000,000 |
0.20% |
6 Month Certificates
6 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.20% |
| Jumbo Certificate |
$100,000 |
0.20% |
| Millionaire Certificate |
$1,000,000 |
0.30% |
12 Month Certificates
12 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.30% |
| Jumbo Certificate |
$100,000 |
0.30% |
| Millionaire Certificate |
$1,000,000 |
0.40% |
24 Month Certificates
24 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.40% |
| Jumbo Certificate |
$100,000 |
0.40% |
| Millionaire Certificate |
$1,000,000 |
0.50% |
36 Month Certificates
36 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.50% |
| Jumbo Certificate |
$100,000 |
0.50% |
| Millionaire Certificate |
$1,000,000 |
0.60% |
48 Month Certificates
48 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.60% |
| Jumbo Certificate |
$100,000 |
0.60% |
| Millionaire Certificate |
$1,000,000 |
0.70% |
60 Month Certificates
60 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.70% |
| Jumbo Certificate |
$100,000 |
0.70% |
| Millionaire Certificate |
$1,000,000 |
0.80% |
Opening a Certificate Account is easy!
- Already a Member? Log into Insight Online to access your account and we’ll use the information already on file for your application.
- Not yet a Member? Use the link above to register and provide your information to apply for membership, accounts, and loans.
- Check Application Status! You can also check the status of submitted applications, or continue where you left off with an application already in progress.
*A.P.Y. = Annual Percentage Yield. Dividends on regular shares, youth accounts, IRAs and money market accounts are accurate as of 04/15/2021. Share certificate dividend rates are accurate as of 04/15/2021. Indexed rates are based on the percentage above the dividend rate paid on certificate or share accounts. There will be a penalty for early withdrawal of certificates. Call 407.426.6000 for recent rate changes. Fees may reduce earnings on accounts. Rates may change after accounts are opened and without notice. Dividends are paid at the end of each month.
