Accounts

Certificates

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.

Higher rates than most savings accounts
Terms range from 3 months to 5 years
Dividends compounded and paid quarterly
  • Renew certificates, track investment growth, and more with MyCoVantage digital banking and mobile app 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 digital banking or the mobile app using your existing checking or savings account number. 

Share Certificate Rates

Effective Date: March 27, 2025
Rate Term APY Minimum Deposit
4.184%10 Month4.250%1000.00
3.940%60 Month4.000%1000.00
3.698%36 Month3.750%1000.00
3.698%48 Month3.750%1000.00
3.458%12 Month3.500%1000.00
3.458%24 Month3.500%1000.00
0.746%3 Month0.750%5000.00
0.746%6 Month0.750%5000.00