Share Certificates

Share Certificate.jpg
Summary

Get a Guaranteed Return on your Investment 

Our wide range of terms and low minimum deposit add flexibility to your portfolio. Leave the stock market to the adrenaline junkies — choose your term today!

Account Features

  • Fixed rates, higher than regular savings
    • Receive higher rates by selecting a longer term
    • Interest compounds quarterly
  • Provides more guarantee than other risky investments
  • A wide range of terms available (from 180 days to 5 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty*
  • Jumbo and Step-Up certificates available
  • $500 minimum deposit to open

*Early withdrawals may result in penalties of 90 to 180 days worth of interest

Step-Up Certificate

Don't let rising rates pass you by. Take advantage of the one-time opportunity to step up the rate on the remaining term of your certificate to the current rate.

  • $2,500 minimum deposit to open
  • 3-year term
  • Step up your rate once

Jumbo Certificate

Sometimes bigger really is better. Make now one of those times with an Altier Jumbo Certificate.

  • $100,000 minimum balance
  • Greater rates than our regular certificates
Rates

Share Term Certificates Rates

Account TypeMinimum Required Opening DepositInterest RatesAPY
180 Day Term Share Certificate $2,500.00 0.07% 0.07%
1 Year Term Share Certificate $500.00 0.12% 0.12%
14 Month Term Share Certificate $10,000.00 0.12% 0.12%
2 Year Term Share Certificate $500.00 0.20% 0.20%
2 1/2 Year Term Share Certificate $500.00 0.25% 0.25%
3 Year Term Share Certificate $2,500.00 0.30% 0.30%
3 Year Step Up Term Share Certificate $2,500.00 0.25% 0.25%
4 Year Term Share Certificate $2,500.00 0.60% 0.60%
5 Year Term Share Certificate $2,500.00 0.95% 0.95%
Flex Term Share Certificate (6-12 Months) $1,000.00 0.07% 0.07%
180 Day Term Share Certificate Jumbo $100,000.00 0.12% 0.12%
1 Year Term Share Certificate Jumbo $100,000.00 0.17% 0.17%
14 Month Term Share Certificate Jumbo $100,000.00 0.17% 0.17%
2 Year Term Share Certificate Jumbo $100,000.00 0.25% 0.25%
2 1/2 Year Term Share Certificate Jumbo $100,000.00 0.30% 0.30%
3 Year Term Share Certificate Jumbo $100,000.00 0.40% 0.40%
3 Year Step Up Term Share Certificate Jumbo $100,000.00 0.30% 0.30%
4 Year Term Share Certificate Jumbo $100,000.00 0.70% 0.70%
5 Year Term Share Certificate Jumbo $100,000.00 1.05% 1.05%
Flex Term Share Certificate Jumbo (6-12 Months) $100,000.00 0.12% 0.12%

Effective Date: March 7, 2017

Restrictions and terms:

  • Savings and Checking: Fees may reduce earnings (excluding Kasasa Cash). Interest rates and APY may change due to current earnings and reserve requirements. Rates may change after account is opened.
  • Money Maker: Rate is subject to change bi-weekly. Minimum withdrawal is $250.
  • Term Share Certificates: Early withdrawal penalties apply. Certificate rates subject to change every Tuesday. Fees may reduce earnings.
  • IRA Accounts: Savings or Certificates accounts are available.

APY = Annual Percentage Yield

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