Creating a Path Towards Saving More Money

NEW!

Hope Certificate  1.50% APY1 

15 months (minimum deposit $25,000)

 

Glitter Certificate  2.75% APY2

54 months (no minimum deposit required)

Diamond Certificate

Dazzle Certificate

2.50% APY3

42 months
(minimum deposit $25,000)

Sparkle Certificate

2.00% APY4

30 months
(minimum deposit $25,000)

Diamond Certificate

1.75% APY5

18 months
(minimum deposit $25,000)

Open Your 75th Anniversary Special Certificates Today!75th Anniversary

  • Login to Online Banking then click or tap Quick Apply > Account
  • Stop by a branch
  • Call 703-709-8900

1 APY = Annual Percentage Yield. Fees may reduce earnings on account. A penalty may be imposed for early withdrawal. Rate is current as of 7/25/2022 and subject to change at any time. The 15-Month Hope Certificate is a promotional certificate and is not eligible for a dividend rate bonus. At renewal, certificate will auto-renew into current one year certificate unless otherwise designated. A minimum deposit of $25,000 is required. View the full disclosure here.   

2 APY = Annual Percentage Yield. Fees may reduce earnings on account. A penalty may be imposed for early withdrawal. Rate is current as of 7/19/2022 and subject to change at any time. The 54-Month Glitter Certificate is a promotional certificate and is not eligible for a dividend rate bonus. At renewal, certificate will auto-renew into current one year certificate unless otherwise designated. No minimum deposit is required. View the full disclosure here.   

3 APY = Annual Percentage Yield. Fees may reduce earnings on account. A penalty may be imposed for early withdrawal. Rate is current as of 6/21/2022 and subject to change at any time. The 42-Month Dazzle Certificate is a promotional certificate and is not eligible for a dividend rate bonus. At renewal, certificate will auto-renew into current one year certificate unless otherwise designated. Minimum deposit per account is $25,000 with a maximum deposit of $2,000,000. View the full disclosure here.   

4 APY = Annual Percentage Yield. Fees may reduce earnings on account. A penalty may be imposed for early withdrawal. Rate is current as of 5/16/2022 and subject to change at any time. The 30-Month Sparkle Certificate is a promotional certificate and is not eligible for a dividend rate bonus. At renewal, certificate will auto-renew into current one year certificate unless otherwise designated. Minimum deposit per account is $25,000 with a maximum deposit of $2,000,000. View the full disclosure here.

5 APY = Annual Percentage Yield. Fees may reduce earnings on account. A penalty may be imposed for early withdrawal. Rate is current as of 7/25/2022 and subject to change at any time. The 18-Month Diamond Certificate is a promotional certificate and is not eligible for IRA, Coverdell, Add-On Certificates or dividend rate bonus. At renewal, certificate will auto-renew into current one year certificate unless otherwise designated. Minimum deposit per account is $25,000 with a maximum deposit of $2,000,000. View the full disclosure here.

Saving with a Certificate

Our Certificates pay competitive dividends and can be opened with as little as $1,000 and have terms from 90 days to five (5) years. We also offer Jumbo Certificates, for deposits of $250,000 or more, and Add-on Certificates, where you can add funds to the certificate throughout the term.

Open your certificates today:

Certificate Types

SAVINGS CERTIFICATES
Choose your term up to 5 years and deposit a minimum of $1,000. Highest rates will be paid on Certificates of $250,000 or more.

ADD-ON CERTIFICATES
With an Add-on Certificate, you select a 1- or 2-year term with a minimum opening deposit of $500 and get the flexibility to add funds throughout the Certificate term.

YOUTH ADD-ON CERTIFICATES
Designed for our Youth Club Account members, minimum deposit is just $100 and you can deposit additional money during the 1-year term.

IRA CERTIFICATES
Designed for Individual Retirement Accounts, our IRA Certificates offer the same great rates as our regular Certificates.

 

Certificate Rates

 

 

$1,000 TO $99,000

$100,000 TO $249,999

$250,000+

  Rate APY* Rate APY* Rate APY*
3 months 0.05 0.05 0.10 0.10 0.10 0.10
6 months 0.11 0.11 0.16 0.16 0.16 0.16
1 year 0.22 0.22 0.27 0.27 0.32 0.32
2 years 0.27 0.27 0.30 0.30 0.35 0.35
3 years 0.31 0.31 0.34 0.34 0.39 0.39
4 years 0.35 0.35 0.39 0.39 0.44 0.44
5 years 0.39 0.39 0.44 0.44 0.49 0.49

 

Add-On Certificates

Youth Add-On Certificate 1 Year Add-On Certificate 2 Year Add-On Certificate
Term: 1 year Term: 1 year Term: 2 year
Rate: 0.10% Rate: 0.12% Rate: 0.15%
APY*: 0.10% APY*: 0.12% APY*: 0.15%
Minimum deposit: $100.00 Minimum deposit:  $500.00 Minimum deposit:  $500.00

Rates current as of 4/25/22 and are subject to change without notice.

*APY=Annual Percentage Yield. Fees may reduce earnings on the account. Dividends are paid from earnings after transfers to reserves. A penalty may be imposed for early withdrawal. The Annual Percentage Yield for certificate terms less than 1 year is based on an assumption that dividends are posted and compounded at maturity and will remain in the account until maturity. The Annual Percentage Yield for certificate terms 1 year or greater is based on an assumption that dividends are posted and compounded monthly and will remain in the account until maturity. Any withdrawal will affect the APY calculation and result in reduced earnings.

Add-on and promotional certificates are not eligible for dividend bonus rate. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Click here to view the disclosure.