Certificate Accounts | MD, DC, VA Certificate Rates

Give your savings a boost with our special rate

18-Month Share Certificate 5.15% APY*

Higher Dividend Rates

Share Certificates outpace most traditional savings accounts.

Choose Various Terms

Select a Share Certificate that matures when you choose.

No Worry

Deposits up to $250,000 insured by National Credit Union Administration.*

Share Certificates empower people to make their own investment decisions. Choose a savings period of one month, five years - or something in between. Choose a Share Certificate that allows you to start with a modest deposit - or one that allows you to "bump up" to a higher rate. Whether you're starting with a small nest egg or a large sum, it's a secure way to grow your money worry-free.

Regular Share Certificates offer the most term length options and require the lowest initial deposit. Minimum deposit: $500. Terms: Six months, or one to five years
Special Share Certificates require a minimum balance of $5,000. Terms offered: Three, nine, and 18 months for a limited time only.†
Bump-Up Share Certificates allow you to “bump up” to a higher rate once during the term if rates rise. Minimum deposit: $5,000. Terms: Four and five years.
Mini-Jumbo Share Certificates offer longer terms for greater deposit amounts. Minimum deposit: $20,000. Terms: Four and five years.
Jumbo Share Certificates offer shorter terms on large deposits. Minimum deposit: $100,000. Terms: 30 days to one year.

If you're beginning to build your retirement savings, consider our IRA Share Certificate options.

*APY = Annual Percentage Yield.

^†The 3 month, 9 month, and 18 month Share Certificates will automatically renew at the next highest term Share Certificate unless the funds are withdrawn at maturity. The 3 month, 9 month, and 18 month Share Certificates are not offered on Individual Retirement Accounts.