Share Certificate Options

Grow your deposits on your schedule. Interest compounds quarterly. No maintenance fees, federally insured deposits, and automatic renewal.

Term Share Certificate

Term Share Certificate

Low-Risk Growth

  • 3 – 60 months
  • $1000 minimum balance
I Want to Apply
Jumbo Term Share Certificates

Jumbo Term Share Certificates

Higher Yield

  • 3 – 60 months
  • $100,000 minimum balance
Let's Go Jumbo
IRA Term Share Certificates

IRA Term Share Certificates

Maximize Your IRA

  • 3 – 60 months
  • $1000 minimum balance
Call to Get Started
IRA Jumbo Term Share Certificates

IRA Jumbo Term Share Certificates

For XXL IRAs

  • 3 – 60 months
  • $100,000 minimum balance
Call to Go Jumbo
BOOST Certificate

BOOST Certificate

Rocket Your Rate

  • 24 or 48 months
  • $1,000 minimum balance
I Need a BOOST

Certificate Rates

+Minimum Opening Deposit/BalanceDividend RateE.1Annual Percentage YieldE.1 (“APY”)
Based on Quarterly Compounding
  • Minimum Opening Deposit/Balance
  • Dividend RateE.1
  • Annual Percentage YieldE.1 (“APY”)
    Based on Quarterly Compounding
+3 month Certificate$1,000.000.745%0.75%
  • 3 month Certificate
  • $1,000.00
  • 0.745%
  • 0.75%
+6 month Certificate$1,000.001.985 %2.00%
  • 6 month Certificate
  • $1,000.00
  • 1.985 %
  • 2.00%
+12 month Certificate$1,000.002.230%2.25%
  • 12 month Certificate
  • $1,000.00
  • 2.230%
  • 2.25%
+13 month CertificateE.2$1,000.002.475%2.50%
  • 13 month CertificateE.2
  • $1,000.00
  • 2.475%
  • 2.50%
+18 month Certificate$1,000.002.28%2.30%
  • 18 month Certificate
  • $1,000.00
  • 2.28%
  • 2.30%
+24 month Certificate$1,000.002.425%2.45%
  • 24 month Certificate
  • $1,000.00
  • 2.425%
  • 2.45%
+36 month Certificate$1,000.002.475%2.50%
  • 36 month Certificate
  • $1,000.00
  • 2.475%
  • 2.50%
+48 month Certificate$1,000.002.575%2.60%
  • 48 month Certificate
  • $1,000.00
  • 2.575%
  • 2.60%
+60 month Certificate$1,000.002.620%2.65%
  • 60 month Certificate
  • $1,000.00
  • 2.620%
  • 2.65%

E.1 The Annual Percentage Yield (APY) assumes that dividends are compounded and will remain in the account until maturity. A penalty for early withdrawal may be imposed. Fees could reduce earnings. Dividend Rate and APY determined by term. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200. E.213-month Certificate will automatically renew into a 12-month Certificate after the term expires. All other terms will automatically renew after the term expires with the same term.

Jumbo Certificate Rates

+Minimum Opening Deposit/BalanceDividend RateE.1Annual Percentage YieldE.1 (“APY”) Based on Quarterly Compounding
  • Minimum Opening Deposit/Balance
  • Dividend RateE.1
  • Annual Percentage YieldE.1 (“APY”) Based on Quarterly Compounding
+3 month Certificate$100,000.000.845%0.85%
  • 3 month Certificate
  • $100,000.00
  • 0.845%
  • 0.85%
+6 month Certificate$100,000.002.08%2.10%
  • 6 month Certificate
  • $100,000.00
  • 2.08%
  • 2.10%
+12 month Certificate$100,000.002.330%2.35%
  • 12 month Certificate
  • $100,000.00
  • 2.330%
  • 2.35%
+13 month CertificateE.2$100,000.002.570%2.60%
  • 13 month CertificateE.2
  • $100,000.00
  • 2.570%
  • 2.60%
+18 month Certificate$100,000.002.375%2.40%
  • 18 month Certificate
  • $100,000.00
  • 2.375%
  • 2.40%
+24 month Certificate$100,000.002.525%2.55%
  • 24 month Certificate
  • $100,000.00
  • 2.525%
  • 2.55%
+36 month Certificate$100,000.002.575%2.60%
  • 36 month Certificate
  • $100,000.00
  • 2.575%
  • 2.60%
+48 month Certificate$100,000.002.670%2.70%
  • 48 month Certificate
  • $100,000.00
  • 2.670%
  • 2.70%
+60 month Certificate$100,000.002.720%2.75%
  • 60 month Certificate
  • $100,000.00
  • 2.720%
  • 2.75%

E.1 The Annual Percentage Yield (APY) assumes that dividends are compounded and will remain in the account until maturity. A penalty for early withdrawal may be imposed. Fees could reduce earnings. Dividend Rate and APY determined by term. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200. E.213 month Certificate will automatically renew into a 12-month Certificate after the term expires. All other terms will automatically renew after the term expires with the same term.

IRA Certificate Rates

+IRA CertificateMinimum Opening Deposit/BalanceDividend RateE.1Annual Percentage YieldE.1 (“APY”) Based on Quarterly Compounding
  • IRA Certificate
  • Minimum Opening Deposit/Balance
  • Dividend RateE.1
  • Annual Percentage YieldE.1 (“APY”) Based on Quarterly Compounding
+3 month IRA Certificate$1,0000.745%0.75%
  • 3 month IRA Certificate
  • $1,000
  • 0.745%
  • 0.75%
+6 month IRA Certificate$1,0001.985%2.00%
  • 6 month IRA Certificate
  • $1,000
  • 1.985%
  • 2.00%
+12 month IRA Certificate$1,0002.230%2.25%
  • 12 month IRA Certificate
  • $1,000
  • 2.230%
  • 2.25%
+13 month IRA CertificateE.2$1,0002.475%2.50%
  • 13 month IRA CertificateE.2
  • $1,000
  • 2.475%
  • 2.50%
+18 month IRA Certificate$1,0002.280%2.30%
  • 18 month IRA Certificate
  • $1,000
  • 2.280%
  • 2.30%
+24 month IRA Certificate$1,0002.425%2.45%
  • 24 month IRA Certificate
  • $1,000
  • 2.425%
  • 2.45%
+36 month IRA Certificate$1,0002.475%2.50%
  • 36 month IRA Certificate
  • $1,000
  • 2.475%
  • 2.50%
+48 month IRA Certificate$1,0002.575%2.60%
  • 48 month IRA Certificate
  • $1,000
  • 2.575%
  • 2.60%
+60 month IRA Certificate$1,0002.620%2.65%
  • 60 month IRA Certificate
  • $1,000
  • 2.620%
  • 2.65%

E.1 The Annual Percentage Yield (APY) assumes that dividends are compounded and will remain in the account until maturity. A penalty for early withdrawal may be imposed. Fees could reduce earnings. Dividend Rate and APY determined by term. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200. E.213-month Certificate will automatically renew into a 12-month Certificate after the term expires. All other terms will automatically renew after the term expires with the same term.

Jumbo IRA Certificate Rates

+Jumbo IRA CertificateMinimum Opening Deposit/BalanceDividend RateE.1Annual Percentage YieldE.1 (“APY”) Based on Quarterly Compounding
  • Jumbo IRA Certificate
  • Minimum Opening Deposit/Balance
  • Dividend RateE.1
  • Annual Percentage YieldE.1 (“APY”) Based on Quarterly Compounding
+3 month IRA Certificate $100,0000.845%0.85%
  • 3 month IRA Certificate
  • $100,000
  • 0.845%
  • 0.85%
+6 month IRA Certificate $100,0002.080%2.10%
  • 6 month IRA Certificate
  • $100,000
  • 2.080%
  • 2.10%
+12 month IRA Certificate $100,0002.330%2.35%
  • 12 month IRA Certificate
  • $100,000
  • 2.330%
  • 2.35%
+13 month IRA CertificateE.2$100,0002.570%2.60%
  • 13 month IRA CertificateE.2
  • $100,000
  • 2.570%
  • 2.60%
+18 month IRA Certificate $100,0002.375%2.40%
  • 18 month IRA Certificate
  • $100,000
  • 2.375%
  • 2.40%
+24 month IRA Certificate $100,0002.525%2.55%
  • 24 month IRA Certificate
  • $100,000
  • 2.525%
  • 2.55%
+36 month IRA Certificate $100,0002.575%2.60%
  • 36 month IRA Certificate
  • $100,000
  • 2.575%
  • 2.60%
+48 month IRA Certificate $100,0002.670%2.70%
  • 48 month IRA Certificate
  • $100,000
  • 2.670%
  • 2.70%
+60 month IRA Certificate $100,0002.720%2.75%
  • 60 month IRA Certificate
  • $100,000
  • 2.720%
  • 2.75%

E.1 The Annual Percentage Yield (APY) assumes that dividends are compounded and will remain in the account until maturity. A penalty for early withdrawal may be imposed. Fees could reduce earnings. Dividend Rate and APY determined by term. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200. E.213 month Certificate will automatically renew into a 12-month Certificate after the term expires. All other terms will automatically renew after the term expires with the same term.

Guaranteed Returns

Set up a Certificate online and start earning more with no hassle. Just click the link below, then the "Open An Account" option and you are ready to go.

Related Product Option

Imagine the Potential
With Wealth Management

Available through CUSO Financial Services, L.P.*

Show Me My Options

E.1 The Annual Percentage Yield (APY) assumes that dividends are compounded and will remain in the account until maturity. A penalty for early withdrawal may be imposed. Fees could reduce earnings. Dividend Rate and APY determined by term. If you have any questions or require current rate information on your accounts, please call the Credit Union at 800.256.5626 or 918.610.0200.
E.213-month Certificate will automatically renew into a 12-month Certificate after the term expires. All other terms will automatically renew after the term expires with the same term.
E.3At any time after the first seven days of receipt of your initial deposit you may request that the dividend rate on your applicable Certificate be changed to the dividend rate then offered by the Credit Union for the then current Certificate of the same type and term as your original Certificate as long as you continue to maintain the minimum balance and meet the other requirements for this Certificate Account. The new dividend rate will apply to your then current balance beginning no later than the first business day after we actually receive your rate change request, and will apply until your original account maturity date, which will not change. You may make your request for a dividend rate change over the telephone, by mail, by email, or in person. You are allowed a dividend rate change only once during each term or renewal term of a 24-month term Certificate and twice during each term or renewal term of a 48-month term Certificate. The Credit Union may honor the request for a dividend rate change by a joint account holder without first obtaining the consent of the other joint account holders. You agree to be bound by these terms and conditions which are in addition to the terms and conditions in our other Agreements with you.

Existing certificates may be redeemed with penalties to purchases BOOST Certificates but cannot be converted directly to a BOOST Certificate.

Federally insured to at least $250,000 by NCUA. Learn more.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA / SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal.