Big plans deserve big rates

Whether you’re saving for a big purchase, life event, or adventure, our Certificates make it easy to grow your money fast!

Lock in a Higher Rate

  • 3, 6, or 9-month Certificates now feature a higher rate at 5.00% APY*

  • Looking for something shorter or longer term? From 3 months to 96, our rates have increased across the board.

  • Good for many savings goals (home down payment, wedding, college)

Become a member today! You are eligible.


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More on Certificates

  • Terms range from 3 months to 8 years
  • Bolster your short-term savings with our regular Certificates
  • Create a revenue stream for retirement with our IRA Certificates
  • Save for the rising cost of healthcare with our HSA Certificates
  • Highest rate savings option
  • Varying rates based on term length
  • Good for long-term savings (home down payment, wedding, college)


Certificate Rates

12-Month Certificate

Minimum Opening Balance APY Dividend Rate
$100.00 to $499.99 ** 4.25% 4.16%
$500.00+ 4.25% 4.16%

*Rates stated as Annual Percentage Yield (APY). Accurate as of Dec. 1, 2023. Call 605.718.1818 or 800.482.2428 for more information. Some restrictions apply. Offer subject to change without notice. Federally Insured by NCUA.

**You must be a member of our VIBZ Kid$ Club (ages 12 and under) or our VIBZ Teen Club (13 years of age and no more than 19 years of age)