These accounts are ideal for members seeking the highest guaranteed yields from insured deposit accounts:

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Certificates (Last Revised: Apr 19, 2017)

Account TypeRate TypeMin. Opening BalanceMin. to Earn DividendDividend RateAPYDividend Paid
3 MonthFixed$1,500$1,500.08%.08%Monthly
6 MonthFixed$1,500$1,500.15%.15%Monthly
12 MonthFixed$1,500$1,500.45%.45%Monthly
12 MonthVariable$5,000$5,000.75%.75%Monthly
18 MonthFixed$5,000$5,000.50%.50%Monthly
24 MonthFixed$5,000$5,000.60%.60%Monthly
36 MonthFixed$5,000$5,0001.15%1.16%Monthly
48 MonthFixed$5,000$5,0001.25%1.26%Monthly
60 MonthFixed$5,000$5,0001.80%1.81%Monthly

*APY= Annual Percentage Yield. The dividend rates and annual percentage yields stated above may change at any time. Substantial early withdrawal penalties apply to IRA Share Certificates and Share Certificates. Fees may reduce earnings. The Variable Rate 12 Month Share Certificate is a variable rate account that is tied to the Treasury Bill 6 month auction average rate, rounded down to the nearest quarter percent and adjusted quarterly.

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