We can help you save for whatever goal you have - higher education, retirement, or to purchase a home. Watch your funds grow when they are placed in a higher dividend Certificate Account - at the term you choose!

Choices, Choices, Choices
We offer a variety of Certificate options - 6 month, 1, 2, 3, and even 5-year terms, as well as Share Certificates and IRA Certificates. We offer competitive rates on all of our certificates. Dividends are compounded monthly and may be transferred monthly to any of your accounts, or paid to you by check.

All certificates up to and including a one year term are subject to an early withdrawal penalty of three months’ dividend. All certificates over a one year term are subject to an early withdrawal penalty of six months’ dividend.

Minimum Balance
With a minimum deposit of $1,000.00, your funds will be earning higher dividends than a Regular Share Savings Account. Deposits are insured by NCUA.

Additional Benefits
Certificates are automatically renewed unless you instruct the Credit Union otherwise.
You can also secure a low rate loan against a Certificate.

Open One Today! Visit any Credit Union location, email or call and speak with a Personal Financial Representative.

Senior Sense Certificates

Through our Senior Sense program, we offer premium certificate rates on all of our certificate terms. To be eligible for Senior Sense certificates you must be 60 years of age or older and have a Direct Deposit of Social Security or Pension in to a Central One Share Draft (checking) account.  Senior Sense certificate minimum balance is $10,000.

All certificates up to and including a one year term are subject to an early withdrawal penalty of three months’ dividend. All certificates over a one year term are subject to an early withdrawal penalty of six months’ dividend.