Certificates

Grow your savings steadily at a guaranteed rate.

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 0.35%
Jumbo Certificate $100,000 0.40%
Millionaire Certificate $1,000,000 0.50%

6 Month Certificates

6 month certificate rates
Accounts Minimum A.P.Y.*
Regular Certificate $1,000 0.55%
Jumbo Certificate $100,000 0.60%
Millionaire Certificate $1,000,000 0.70%

12 Month Certificates

12 month certificate rates
Accounts Minimum A.P.Y.*
Regular Certificate $1,000 0.80%
Jumbo Certificate $100,000 0.85%
Millionaire Certificate $1,000,000 0.95%

24 Month Certificates

24 month certificate rates
Accounts Minimum A.P.Y.*
Regular Certificate $1,000 1.15%
Jumbo Certificate $100,000 1.20%
Millionaire Certificate $1,000,000 1.30%

36 Month Certificates

36 month certificate rates
Accounts Minimum A.P.Y.*
Regular Certificate $1,000 1.40%
Jumbo Certificate $100,000 1.45%
Millionaire Certificate $1,000,000 1.55%

48 Month Certificates

48 month certificate rates
Accounts Minimum A.P.Y.*
Regular Certificate $1,000 1.60%
Jumbo Certificate $100,000 1.65%
Millionaire Certificate $1,000,000 1.75%

60 Month Certificates

60 month certificate rates
Accounts Minimum A.P.Y.*
Regular Certificate $1,000 1.80%
Jumbo Certificate $100,000 1.85%
Millionaire Certificate $1,000,000 1.95%

*A.P.Y. = Annual Percentage Yield. Dividends on regular shares, youth accounts, IRAs and money market accounts are accurate as of 12/05/19. Share certificate dividend rates are accurate as of 12/05/19. 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.