💰 Term‑Share Certificates (CDs)

Guaranteed growth. Zero guesswork. Just smart saving.

If you want your money to grow safely — without worrying about market ups and downs — a Term‑Share Certificate (also known as a CD) is one of the smartest moves you can make. You deposit a set amount, pick your term, and earn a guaranteed return when it matures. Simple, predictable, and perfect for long‑term saving goals.

⭐ Why People Love Certificates

They’re ideal if you…

• Want higher dividends than a regular savings account
• Don’t need constant access to the money
• Prefer to deposit once and watch your savings grow
• Want a safe, guaranteed return on your investment

It’s a “set it and grow it” kind of account — no surprises, no risk.

💎 Certificate Features

• Start with as little as $500
• Fixed rate of return — your earnings never change
• Choose terms from 3 to 71 months
• Automatic renewal so your money keeps growing
• Your funds are NCUA insured up to $250,000

Perfect for building savings with confidence.

🚀 Step-Up CD

A Certificate with a power-up option — for when rates rise.

Want the safety of a CD but also want the chance to increase your earnings if rates go up?
That’s exactly what the Step‑Up CD offers.

⭐ What makes it cool?

You get one chance during your term to “step up” your rate — up to 1.00% higher than your original APY.

🎉 Example:

If your certificate is earning 0.10% APY, and rates rise, you can bump it up to 1.10% APY for the rest of your term.
No penalties. No hoops. Just more earnings.

A Step‑Up CD gives you the stability of a certificate with bonus flexibility — perfect for savers who want a little more control.

🌈 Dream Maker Youth Certificate

Make saving fun. Make the future possible.

The Dream Maker Certificate is designed just for kids and teens — a simple, exciting way to teach young savers how money grows over time. It’s the perfect “starter investment” for future planners, goal-setters, and dream chasers.

⭐ Youth-Friendly Features:

• Start with just $100 — easy for young savers
• Fixed rate of return (no surprises!)
• 6‑month term — short enough to stay exciting
• NCUA insured up to $250,000
• Great for building responsibility, confidence, and long‑term saving habits

Think of it as a savings booster that helps kids watch their dreams take shape — one deposit at a time.