Certificate Accounts

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.

• Higher rates than most savings accounts
• Terms range from 3 months to 5 years
• Dividends compounded and paid quarterly
• Track investment growth with online and mobile banking tools
• Dividend penalty for early withdrawal. You'll never lose any of your initial investment.
• If you're a current CoVantage Credit Union member, open this account through online or mobile banking using your existing checking or savings account number

Share Certificate Rates

Annual Percentage Yields (APY) effective 06/02/2023 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.