Certificate Accounts

Build your savings for the long term. 

Put your savings on a schedule that fits with your future needs and long-term goals. Our Certificate Accounts offer plenty of options, all of which pay higher interest than most traditional savings accounts.


Featured rates:

6 Month Certificate Account: 4.75% APY1
12 Month Certificate Account: 4.65% APY1
18 Month Certificate Account: 4.60% APY1

Certificate Details

  • $500 Minimum Deposit
  • Dividends compound monthly for terms shorter than 6 months, quarterly for 12 month terms and longer
  • IRA Certificates available for same rates with no early withdrawal penalty for qualified distributions

Certificate Account Term APY1
3 Months 1.25%
6 Months 4.75%
12 Months 4.65%
18 Months 4.60% 
24 Months 4.00%
36 Months 3.75%
48 Months 4.35% 
60 Months 3.55%


Money Market Accounts

Earn a higher interest rate on your savings balance  without committing your funds for the longer term. 

Ascend Checking

Start earning dividends with our free checking account. 

Savings Accounts

Save a little or a lot, either way you need a safe place to keep your money. 

1 APY = Annual Percentage Yield. Rates and terms subject to change without notice. Fees may reduce earnings. Rates effective 5/16/2024. Minimum balance requirements: The balance required to open this account is $500.00. You must maintain a minimum average daily balance of $500.00 in your account to obtain the disclosed annual percentage yield.