Interest Rates, Interest Earning, Dividends, Dividend Earning, CDs, New Money, Combo, Custodial Certificates, Terms, Savings Certificates, Certificate of Deposit, High Yield, Yield, Deposits
Savings Certificates


A great way to maximize your savings.

The basic certificate. Earn more interest on money you don’t need immediately — with rates that are guaranteed.

  • Available to any member
  • $1,000 minimum opening deposit
  • Flexible from 1 month to 60 month terms


Perfect for helping someone close to you.

Custodial Certificates are a way to save for a first car or even college. Intended for children or grandchildren under the age of 18, Custodial Certificates are held "in custody" for the minor until they come of age.

Custodial Certificates must be opened within a Custodial Account.


A reason to bring savings from outside.

New Money Certificate Accounts are special Certificates designed to reward members for consolidating outside deposits with Proponent.

  • Available to any member
  • $1,000 minimum opening deposit
  • Short and Long Terms available


The power of 4 Certificates into one.

A Combo Certificate is a group of 4 Certificates linked together to provide the earning potential of longer term Certificates as well as the access of shorter term Certificates. A 3 month, a 6 month, a 9 month, and a 1 year Certificate Account are combined in a “ladder” arrangement — so that, upon maturity, each shorter term Certificate is rolled up to a new 1 year Certificate. After the first 9 months, you will have a Certificate with a 1 year rate maturing every 90 days! In addition to this enhanced access to your money, Combo Certificates offer more interest.* A Combo Certificate can also protect you against changing rates — whether rates go up or down, you’ll come out ahead.

*Comparison refers to the additional interest earned over a 2 year period, as compared to rolling over a 3 month Certificate Account for the same 2 year period.

Need to discuss with an advocate?
We’re here to listen at 800.457.8058.