Certificate Rates

Rates Last Modified: June 3, 2025

Scroll to the left to view the rest of the table.

Certificates

Type of Account	Term	Minimum Balance	Dividend Rate	APY**
Share & IRA Certificates	6-month	$500.00	0.50%	0.50%
	10-month	$500.00	0.50%	0.50%
	12-month	$500.00	0.55%	0.55%
	24-month	$500.00	0.60%	0.60%
	36-month	$500.00	0.75%	0.75%
	48-month	$500.00	0.80%	0.80%
	60-month	$500.00	0.95%	0.95%

Dividends Compounded: Quarterly • Dividends Credited: Quarterly • Dividend Period: Calendar Month • Minimum Balance for Dividends: $500.00 • Balance Method: Average Daily Balance • Limitations: Refer to Membership and Account Agreement • Fees: A penalty will or may be imposed for early withdrawals. Refer to Schedule of Fees. Fees may reduce earnings. • **APY = Annual Percentage Yield

Rates are subject to change. To obtain the most current rate information, call (301) 289-9800.

Specialty Certificates

Type of Account	Term	Minimum Balance	Dividend Rate	APY**
SAYGo Certificate	12-month	$25.00	0.45%	0.45%
Youth Certificate	6-month	$25.00	0.50%	0.50%
	24-month	$25.00	0.60%	0.60%
FUSE Certificate	60-month	$25.00	0.95%	0.95%

Dividends Compounded: Quarterly • Dividends Credited: Quarterly • Dividend Period: Calendar Month • Minimum Balance for Dividends: $25.00 • Balance Method: Average Daily Balance • Limitations: Refer to Membership and Account Agreement • Fees: A penalty will or may be imposed for early withdrawals. Refer to Schedule of Fees. Fees may reduce earnings. • **APY = Annual Percentage Yield

Rates are subject to change. To obtain the most current rate information, call (301) 289-9800.