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Certificates

Certificate Accounts For longer-term savings, you can invest in a variety of share certificates with terms from three months to five years. All terms have a minimum balance of $1,000.

Accounts Minimum A.P.Y.*
3 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate:
 
$ 1,000
$100,000
$1,000,000

0.25%
0.35%
0.45%
6 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate:
 
$ 1,000
$100,000
$1,000,000

0.25%
0.35%
0.45%
12 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate:
 
$ 1,000
$100,000
$1,000,000

0.30%
0.40%
0.50%
24 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate:
 
$ 1,000
$100,000
$1,000,000

0.65%
0.75%
0.85%
36 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate
 
$ 1,000
$100,000
$1,000,000

0.98%
1.09%
1.19%
48 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate:
 
$ 1,000
$100,000
$1,000,000

1.10%
1.20%
1.30%
60 Month
Regular Certificate:
Jumbo Certificate:
Millionaire Certificate
 
$ 1,000
$100,000
$1,000,000

1.25%
1.35%
1.45%

* A.P.Y. = Annual Percentage Yield. Dividends on regular shares, youth accounts, IRAs and money market accounts are accurate as of 04/27/17. Share certificate dividend rates are accurate as of 04/27/17. There will be a penalty for early withdrawal of certificates. Call 407.426.6000 for recent rate changes. Fees may reduce earnings on accounts. Rates may change after accounts are opened and without notice. Dividends are paid at the end of each month.