Certificates
Our certifcate accounts can help prepare you for whatever the furture holds. Whether you're working on your short- or long-term savings plan, our Certificates grow at competitive rates to maximize your savings power over specific terms. Perhaps you're creating an emergency fund, saving for healthcare expenses or planning for your retirememt. Whatever your goal, we're here to help.
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. Lock in a rate today and watch your money grow! Schedule a Video Banking call now, or contact us at 407.426.6000 or toll-free 888.843.8328 to open a certificate account today.
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 |
0.30% |
| Jumbo Certificate |
$100,000 |
0.30% |
| Millionaire Certificate |
$1,000,000 |
0.40% |
12 Month Certificates
12 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.45% |
| Jumbo Certificate |
$100,000 |
0.45% |
| Millionaire Certificate |
$1,000,000 |
0.55% |
24 Month Certificates
24 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% |
36 Month Certificates
36 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.75% |
| Jumbo Certificate |
$100,000 |
0.75% |
| Millionaire Certificate |
$1,000,000 |
0.85% |
48 Month Certificates
48 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
0.80% |
| Jumbo Certificate |
$100,000 |
0.80% |
| Millionaire Certificate |
$1,000,000 |
0.90% |
60 Month Certificates
60 month certificate rates
| Accounts |
Minimum |
A.P.Y.* |
| Regular Certificate |
$1,000 |
1.00% |
| Jumbo Certificate |
$100,000 |
1.00% |
| Millionaire Certificate |
$1,000,000 |
1.10% |
*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 06/15/2022. 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.
