Savings Certificates
Build a well-rounded savings and retirement portfolio reliably with share certificates. Our credit union has consistently paid higher Annual Percentage Yields (APY) over the last five years, and continues to offer members certificates in many dollar values.
Other benefits include:
- Available to fit your savings budget and goals
- Certificates available for 91-days to 60-month durations
- Safe, insured investment option
- Fixed interest rates
Minimum value is for a $500 certificate. Penalties apply for early withdrawal.
How to Purchase a Certificate
Please call our main office today at (585) 546-4279.
Our Rates
Effective as of: November 1, 2023
|
Term
|
Rate
|
APY*
|
|
91 Day Share Certificate
|
1.15%
|
1.15%
|
|
6 Month Share Certificate
|
1.50%
|
1.51%
|
|
9 Month Share Certificate
|
1.50%
|
1.51%
|
|
11 Month SPECIAL
|
4.50%
|
4.57%
|
|
12 Month Share Certificate
|
1.75%
|
1.76%
|
|
15 Month Share Certificate
|
1.75%
|
1.76%
|
|
24 Month Share Certificate
|
2.00%
|
2.01%
|
|
36 Month Share Certificate
|
2.25%
|
2.27%
|
|
48 Month Share Certificate
|
2.50%
|
2.52%
|
|
60 Month Share Certificate
|
2.75%
|
2.78%
|
Our Share Certificates come in all sizes: Rates are based on weekly changes in Treasury Bill auctions. History proves that your Credit Union has consistently paid higher Annual Percentage Yields over the last five years. There is a substantial penalty for early withdrawal from the principal of all certificates.