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Co-op Credit Union

Certificates

Start Building Your Future Today.


What's your dream?  Saving for a home or an early retirement?  How about a debt-free degree for your kids?  Or maybe that perfect vacation.  Whatever your needs are, we can help you reach your goal.  Take a look at what we offer and visit one of our locations today to talk to a representative about getting started.

couple gazing at sunset

Youth Month Special

Youth under the age of 18 can open their first Special Youth Certificate April 1st through the 15th with up to $500 at 5.00% Annual Percentage Yield. If you already have a Youth Certificate from one of our previous youth specials, you can renew that certificate for another year at 3.95% APY up to $1,500 during the month of April.


youth month graphic with robots

Celebrate National Credit Union Youth Month with us as we delve into "The Science of Saving"! It's never too early for youth to start saving -- our youth special can be a great place to start.

Limit one Special Youth Certificate per member. Substantial penalty for early withdrawal. At maturity, the certificate may be redeemed or will automatically renew to a 12-month certificate at the prevailing rate.


Certificate Rates

Check out our rates here.

See our Fees & Disclosures page for additional account information and terms.


Share Certificates


With savings periods of 3 months to 5 years, you can put your money to work for you in a Co-op Credit Union Certificate.  The minimum balance to open is $100 for a share certificate or a Youth Certificate. Youth Certificates are available to our members under 18.   Dividends are calculated using the daily balance method.


IRA Certificates


The IRA is intended as a savings vehicle for retirement. The minimum balance to open is $1,000.  Remember, as with all IRAs you must be at least 59 1/2 years old to withdraw from this certificate.  If you need to remove money from this account, early withdrawal tax penalties may apply.


Youth Saver Certificate


CCU members under age 18 can earn "grown-up" dividends with a Youth Saver Certificate!  Same great terms and rates as a regular certificate, but requiring only a $100 minimum.  The Youth Saver Certificate helps young people yield more for their savings sooner.

  • Terms of 3, 6, 9, 12, 18, 24, 36, 48 and 60 months available.
  • Dividends calculated and paid quarterly
  • Fixed rate guarantees dividend's rate even if market goes down
  • May be used as collateral on loans
  • NCUA insured