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Term Certificates

Earn Great Dividends and Help Build Stronger Communities

Open a Term Certificate with a deposit of $500 or more and earn competitive dividends. Terms range from three months to 5 years. Specialty term certificates are also available that reflect your support for specific initiatives, like supporting sustainable businesses or loans for women entrepreneurs. Penalties apply for early withdrawal.

Benefits of Self-Help Term Certificates

  • Higher dividend rates than standard savings accounts. View rates.
  • Increased rates on longer-term certificates
  • Guaranteed returns for the length of your term
  • Terms range from 3 months to 5 years
  • Funds are NCUA-insured (up to $250,000) to protect your investment
  • $500 minimum deposit to open
  • Early withdrawal penalties apply -- 90 days on terms of 12 months or less; 180 days on terms greater than 12 months
term certs