Certificate Rates
| Certificate Type | Term | Minimum Balance to Open and Earn | Dividend Rate | APY |
|---|---|---|---|---|
| Regular, IRA & Business Certificates | 3 months | $1,000.00 | 2.66% | 2.69% |
| Regular, IRA & Business Certificates | 6 months | $1,000.00 | 2.70% | 2.73% |
| Regular, IRA & Business Certificates | 1 year | $1,000.00 | 2.78% | 2.82% |
| Regular, IRA & Business Certificates | 18 months | $1,000.00 | 2.91% | 2.95% |
| Regular, IRA & Business Certificates | 2 years | $1,000.00 | 3.06% | 3.10% |
| Regular, IRA & Business Certificates | 3 years | $1,000.00 | 3.27% | 3.32% |
| Regular, IRA & Business Certificates | 4 years | $1,000.00 | 3.57% | 3.63% |
| Regular, IRA & Business Certificates | 5 years | $1,000.00 | 3.92% | 3.99% |
| Regular, IRA & Business Junior Jumbo Certificates | 3 months | $25,000.00 | 2.76% | 2.80% |
| Regular, IRA & Business Junior Jumbo Certificates | 6 months | $25,000.00 | 2.80% | 2.84% |
| Regular, IRA & Business Junior Jumbo Certificates | 1 year | $25,000.00 | 2.88% | 2.92% |
| Regular, IRA & Business Junior Jumbo Certificates | 18 months | $25,000.00 | 3.01% | 3.05% |
| Regular, IRA & Business Junior Jumbo Certificates | 2 years | $25,000.00 | 3.16% | 3.21% |
| Regular, IRA & Business Junior Jumbo Certificates | 3 years | $25,000.00 | 3.37% | 3.42% |
| Regular, IRA & Business Junior Jumbo Certificates | 4 years | $25,000.00 | 3.67% | 3.73% |
| Regular, IRA & Business Junior Jumbo Certificates | 5 years | $25,000.00 | 4.02% | 4.09% |
| Regular, IRA & Business Jumbo Certificates | 3 months | $50,000.00 | 2.86% | 2.90% |
| Regular, IRA & Business Jumbo Certificates | 6 months | $50,000.00 | 2.90% | 2.94% |
| Regular, IRA & Business Jumbo Certificates | 1 year | $50,000.00 | 2.98% | 3.02% |
| Regular, IRA & Business Jumbo Certificates | 18 months | $50,000.00 | 3.11% | 3.15% |
| Regular, IRA & Business Jumbo Certificates | 2 years | $50,000.00 | 3.26% | 3.31% |
| Regular, IRA & Business Jumbo Certificates | 3 years | $50,000.00 | 3.47% | 3.53% |
| Regular, IRA & Business Jumbo Certificates | 4 years | $50,000.00 | 3.77% | 3.84% |
| Regular, IRA & Business Jumbo Certificates | 5 years | $50,000.00 | 4.12% | 4.20% |
| Money Musketeers® Starter Certificate¹ | 1 year | $100.00 | 2.78% | 2.82% |
| Dinero Teens® Starter Certificate¹ | 1 year | $250.00 | 2.78% | 2.82% |
All Certificate dividend rates and corresponding Annual Percentage Yields (APYs) effective as of 6/11/2025 CST, and may change without notice. APY = Annual Percentage Yield. Fees may reduce earnings. There is a penalty for early withdrawal. All IRA account types include Traditional and Roth IRAs. Advancial membership required to receive any advertised product. Advancial membership subject to qualifications and requires a minimum $5 membership share deposit.
1
Must meet age requirements to participate.
The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category.
