Certificate Accounts
A certificate works the same way that a Certificate of Deposit (CD) does at other financial institutions. All of our certificate accounts feature a higher dividend rate than most savings accounts—without the risk of the stock market, making them a safe way to invest.
Certificates earn more than most savings accounts and are less risky than investing in the stock market.
Whether you're looking to invest $500 or much more, we have certificate accounts to fit your goals.
Terms for our certificates range from 3 to 60 months so you can choose the accounts that best suit your plans
If you have $500,000 or more to invest, higher dividend rates may be available to you.
Regular, Business and / or IRA Share Certificate
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 3 Months | $1,000 | 3.60% | 3.66% |
| 6 Months | $500 | 3.40% | 3.45% |
| 12 Months | $500 | 3.10% | 3.14% |
| 18 Months | $1,000 | 3.05% | 3.09% |
| 24 Months | $1,000 | 3.05% | 3.09% |
| 36 Months | $1,000 | 3.10% | 3.14% |
| 48 Months | $1,000 | 3.15% | 3.20% |
| 60 Months | $1,000 | 3.20% | 3.25% |
| Jumbo 6 Months | $100,000 | 3.45% | 3.51% |
| Jumbo 12 Months | $100,000 | 3.15% | 3.20% |
| Jumbo 24 Months | $100,000 | 3.10% | 3.14% |
Member's Advantage Share Certificate
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 15 Months | $1,000 | 3.10% | 3.14% |
| 54 Months | $1,000 | 3.15% | 3.20% |
Special Share Certificate
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 9 Months | $5,000 | 4.02% | 4.09% |
IRA Accumulation Share Certificate
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 12 Month IRA Variable | $5 | 3.15% | 3.19% |
Home Purchase Share Certificate
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 36 Month Variable | $1,000 | 3.10% | 3.14% |
Rates effective March 4, 2026.
Legal Disclosures and Additional Information
Annual Percentage Yield (APY)
For Regular, Business and/or Individual Retirement Account (IRA) Share Certificates: Rates are normally established each Wednesday. Fees and/or other conditions may reduce the account's earnings. A penalty may be imposed for early withdrawal. A negotiated rate may be obtained for a certificate in the amount of $100,000.00 or greater.
The 9-Month Special Share Certificate Account will automatically renew into the 12-month Share Certificate Account at the rate in effect as of the maturity date.
For the Home Purchase Share Certificate account, we may pay the account before maturity without imposing the penalty when the withdrawal is made in conjunction with the purchase of a home upon receiving appropriate documentation in the credit union's sole discretion.
Please see the Rate Schedule and Truth in Savings: Certificate Accounts for consumer Share Certificate Accounts and the Business Solutions Certificate Accounts Rate Schedule, both available on our Disclosures and Notices page. For questions, please contact us online or call 800-342-3086.
Make your money work for you.
We offer certificate account options. From tax advantage IRA accounts to member's advantage accounts, find the right certificate account for you.
- When will dividends post to certificates?
Dividends for certificates are credited monthly.6
- Can I withdraw from my certificate early without penalty?
For all Share Certificate and IRA Share Certificate accounts, we may impose a penalty if you withdraw any of the principal before the maturity date. However, you may withdraw from a Home Purchase Share Certificate before maturity without penalty if the withdrawal is being made in conjunction with the purchase of a home. Please see "Rate Schedule and Truth in Savings: Certificate Accounts" on our Disclosures and Notices page for more details.
- Can I change the type or term of my certificate after it has been opened?
For members under age 59 ½, the type and term of a certificate cannot be changed unless the certificate is at maturity or during the grace period. Ascend does offer to our IRA holders who are age 59 ½ or older or who are disabled the opportunity to perform a one-time per calendar year movement of an IRA certificate.
Don't see the question you're looking for?
We offer a couple different ways to open an Ascend certificate below. Interested in learning more? Submit our online contact form and an Ascend representative will reach out to assist you within 1-3 business days.