Certificate Accounts
Whether you’re saving for tomorrow or planning for long-term goals, a Certificate offers a secure way to grow your money with confidence.
Secure Savings For What's Ahead
Enjoy competitive rates, flexible term options, and the peace of mind that comes with secure savings designed around your future.
Guaranteed rate
Enjoy the confidene of a fixed rate that won’t change for the term of your certificate
Variety of Terms Available
Choose from flexbile term options that fit your savings timeline and future plans.
Open Online
Open your Certificate conveniently online whenever it works best for you.
Certificate Rates
Review competitive rates and flexible term options to find the Certificate that best supports your savings goals.
| Deposit Type | Minimum Balance** | Dividend Rate | APY* | Dividend Period |
|---|---|---|---|---|
| 3 Month | $500 | 1.25% | 1.26% | Monthly |
| 6 Month | $500 | 1.75% | 1.76% | Monthly |
| 1 Year | $500 | 1.75% | 1.76% | Monthly |
| 2 Year | $500 | 2.00% | 2.02% | Monthly |
| 3 Year | $500 | 2.05% | 2.07% | Monthly |
| 4 Year | $500 | 2.10% | 2.12% | Monthly |
| 5 Year | $500 | 2.20% | 2.22% | Monthly |
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Certificates
Frequently Asked Questions
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What is a certificate?
A certificate is a credit union savings option, similar to a certificate of deposit, that lets you earn a fixed dividend rate by keeping your money deposited for a set term. It can be a lower-risk way to grow savings over time.
How does a certificate work?
A certificate works by letting you deposit money for a fixed term, such as a few months to several years, while earning a fixed dividend rate. At maturity, you receive your original deposit plus any dividends earned during the term.
What is the difference between a certificate and a savings account?
A certificate typically offers a higher, fixed dividend rate but requires you to keep your money deposited for a set term. A savings account usually gives you more flexibility to access funds, but it may earn a lower dividend rate.
What is the difference between a certificate and a money market account?
A certificate has a fixed dividend rate and set term, while a money market account may offer variable dividend rates and more flexible access to your funds. certificates are often best for money you can set aside, while money market accounts provide more liquidity.
Are certificates worth it?
Certificates may be worth it if you want a stable, lower-risk way to earn a fixed dividend rate and do not need immediate access to your funds. They can be useful for savings you can set aside for a specific term.
Are rates fixed or variable?
Certificate rates are fixed for the entire term, so your dividend rate does not change once the certificate is opened. This gives you predictable earnings based on your deposit amount, rate, and selected term.
Can I withdraw money before the term ends?
Yes. You can withdraw money from a certificate before the term ends, but early withdrawals may be subject to penalties. These penalties can reduce your earned dividends, so certificates are usually best for money you do not need immediate access to.
What happens when my certificate matures?
When your certificate matures, it may automatically renew into a new certificate. You typically have a 10-day grace period to move the funds into a different savings account or certificate without an early withdrawal penalty.
Is my money safe in a certificate?
Yes. Certificates at Kohler Credit Union are federally insured by the NCUA, a U.S. government agency, up to applicable limits. This protection helps make certificates a secure savings option for funds you want to set aside.
APY is accurate as of April 1, 2026 the last dividend declaration date.
*APY = Annual Percentage Yield. Early withdrawal penalties apply and will reduce earnings on account. Maintenance or activity fees could reduce earnings on account. Dividends compound and credit monthly. For full details, refer to the Truth in Savings Certificate Disclosure. Federally insured by NCUA. Membership required.
**Minimum balance required to earn the advertised APY