SHARE CERTIFICATES
- Fixed and variable certificate options
- Terms up to 5 years
- Competitive rates
Hold your share accounts for specific terms in exchange for higher dividends!
Open a CertificateGrow your savings without taking on much risk with a share certificate:
Variable Rate Certificate Accounts
Variable Rate Certificate accounts are share accounts that are held for specific terms, in exchange for higher dividend rates. There are penalties for withdrawal before the end of the term, but you can make additional deposits in any amount at any time. We offer:
- Very competitive variable rates
- 18-month, 3- and 5-year terms
- A $50 minimum balance
Fixed Rate Certificate Accounts
We offer five-year, four-year, three-year, two-year, one-year or, for a limited time, a seven-month fixed rate certificate account at a very competitive rate. Fixed Rate certificate accounts are held for specific terms, in exchange for higher dividend rates. There are penalties for withdrawal before the end of the term. We offer:
- Very competitive rates
- Five-year, four-year, three-year, two-year, one-year or seven-month term
- A $500 minimum balance
IRA Certificates
We offer variable and fixed rate IRA certificates with the same features as above. The only difference is that these certificates are used to save for an IRA.
Effective Aug 1, 2017
| Fixed-Rate | Min to Open | Min to Earn APY* | Dividend | APY* |
|---|---|---|---|---|
| 7-month term** | $500 | $500 | 0.40% | 0.40% |
| 1-year term | $500 | $500 | 0.65% | 0.65% |
| 2-year term | $500 | $500 | 1.00% | 1.00% |
| 3-year term | $500 | $500 | 1.25% | 1.26% |
| 4-year term | $500 | $500 | 1.75% | 1.76% |
| 5-year term | $500 | $500 | 2.00% | 2.01% |
*APY=Annual Percentage Yield.
Effective Aug 1, 2017
| Variable-Rate | Min to Open | Min to Earn APY* | Dividend | APY* |
|---|---|---|---|---|
| 18-month term | $50 | $50 | 0.75% | 0.75% |
| 3-year term | $50 | $50 | 1.00% | 1.01% |
| 5-year term | $50 | $50 | 1.75% | 1.76% |
*APY=Annual Percentage Yield. Variable Certificate Account dividends are compounded and paid quarterly on the first day of the next dividend period. A penalty may apply if the certificate is redeemed prior to maturity. Certificates will automatically renew upon maturity unless otherwise stipulated by the member.
**7-month term Fixed-Rate Certificates are not available as an IRA.
1. Log into Online Banking
2. Click the "Access Accounts" tab
3. Select the "Open a Sub-Account" option
4. Select the certificate term and follow the onscreen steps
Applying for new membership? You can request a certificate with your Membership Application.
Have Questions? Just ask.
Open a CertificateFull Rate Details
Account Disclosures
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+1 (800) 654-7728 Lost Card
Routing #: 254074811
Maryland
Kensington, MD 20895
Potomac, MD 20854
Virginia
Falls Church, VA 22042
Crystal City, VA 22202
McLean, VA 22101