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.
Certificate Rates
Saving on your Terms! Choose your term and save!
See our Fees & Disclosures page for additional account information and terms.
Share Certificates
With savings periods of 6 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 6, 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