Earn up to 5.30% APY*

Grow your savings safely & securely with our highest rates of return. Term Share Certificates–which are similar to CDs (certificates of deposit) at other financial institutions—allow you to save a set amount of money for a specific amount of time. Watch your savings grow with high rates of return, then withdrawal your money at the end of your term. Contact us to get started.

  • Flexible Terms

    With terms from 1 to 120 months, you can choose the timeframe that works best for you. Certificates make it easy to save for big vacations, weddings or large purchases.

  • Best Rates of Return

    Maximize your investment with our highest-dividend rates. Watch your money grow as you save for a designated time or event.

  • Low-Risk Investment

    Some investments promise big returns, but come with big risks. Certificates are a low-risk way to grow your savings. You can be confident your funds will be ready for you at the end of your term.

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ASHLEY, Member-Owner since 2000

Types of Certificates

  • Standard Certificate

    Earn our highest rates of return when you save long-term. Choose the term that works for you with our variety of Term Share Certificates (also known as CDs).

    • 1-120 month terms available

    • Fixed rate for the term of the certificate

    View Rates
  • Tax-Deferred Certificate

    Tax-deferred certificates are used in combination with tax-deferred retirement accounts. Unlike a traditional certificate, you pay taxes on the monies earned when they are withdrawn during retirement.

    $500 minimum to open

    • 15-month term available

    Dividends paid at maturity

    View Rates

Quick Tip on Saving for Retirement

An IRA is a tax-advantaged retirement account that allows you to save and invest your money in a variety of ways. Adding a Term Share Certificate to your IRA is a secure way to invest your money. Unlike stocks and other investment tools, Savings Certificates interest rates do not fluctuate with the market. The rate you agree to when you open the account is the rate you will receive. That predictability can help you plan for retirement with confidence.

Learn More About Your Long-Term Savings Options

Plan for the future with confidence. Whether you are saving for a big event, a once-in-a-lifetime vacation or retirement, you can maximize your savings with a Certificate.

Still Have Questions?

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