How Much Will My Share Certificate Be Worth?

Estimate your share certificate's future value. Calculate how your balance grows over time with different deposit amounts, terms, and interest rates.

Current share certificate rates & specials

Share and IRA Certificates
Effective Date: April 01, 2025
Type	Dividend Rate	APY¹	APY with Bonus Rate²	test header
5 Month Special	3.941%	4.00%	4.10%
13 Month Special	3.455%	3.50%	3.60%
60 Months	2.673%	2.70%	2.80%
48 Months	2.575%	2.60%	2.70%
36 Months	2.526%	2.55%	2.65%
24 Months	2.477%	2.50%	2.60%
18 Months	2.477%	2.50%	2.60%
12 Months	2.084%	2.10%	2.20%
6 Months	1.492%	1.50%	1.60%
3 Months	0.996%	1.00%	1.10%
Highlighted rows are current specials. [1] Annual Percentage Yield (APY) accurate as of the effective date above. [2] Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the “Tax Reported Owner”) is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.

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