Certificate Accounts

It's the savings tool you can tailor to your needs. Choose how much money to invest, and for how long. When that time comes, you're sure to have a good deal more than you started with.

Invest a little bit of time. Get a lot more money.

Just a few minutes of future planning can really help your finances. By shifting some savings into CoVantage Credit Union’s Certificates Account, you'll earn more money than you would with a traditional savings account. With a range of investment options, our Wisconsin, Michigan, and Illinois members can choose a term that helps them pay for college tuition next semester, for a new family room next year, or for retirement costs somewhere far down the line.

Share Certificate Rates

Annual Percentage Yields (APY) effective 05/18/2024 and subject to change. APY (Annual Percentage Yield) refers to the dividends paid on a savings account over a year’s time. Unlike Rate, APY reflects dividends paid on dividends. This is why APY is higher than Rate. A penalty may be imposed for early withdrawal. Compounded quarterly. See all rates.

Term Rate APY Minimum Deposit
10 Month 4.909% 5.00% $1000.00
60 Month 4.426% 4.50% $1000.00
48 Month 4.281% 4.35% $1000.00
36 Month 4.184% 4.25% $1000.00
12 Month 4.087% 4.15% $1000.00
24 Month 4.087% 4.15% $1000.00
3 Month 1.095% 1.10% $5000.00
6 Month 1.095% 1.10% $5000.00

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