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 interest 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 6 to 60 months so you can choose the accounts that best suit your plans
If you have $500,000 or more to invest, higher interest rates may be available to you.
Regular and/or IRA Share Certificate
| Term | Minimum Deposit | APY |
|---|---|---|
| 6 Months | $500 | 4.59% |
| 12 Months | $500 | 4.39% |
| 18 Months | $1,000 | 4.44% |
| 24 Months | $1,000 | 3.45% |
| 36 Months | $1,000 | 3.30% |
| 48 Months | $1,000 | 3.35% |
| 60 Months | $1,000 | 3.40% |
| Jumbo 6 Months | $100,000 | 4.70% |
| Jumbo 12 Months | $100,000 | 4.49% |
| Jumbo 24 Months | $100,000 | 3.56% |
| Jumbo 6 Months | $500,000 | Negotiable |
| Jumbo 12 Months | $500,000 | Negotiable |
| Jumbo 24 Months | $500,000 | Negotiable |
IRA Accumulation Share Certificate
| Term | Minimum Deposit | APY |
|---|---|---|
| 12 Month IRA Variable | $5 | 4.23% |
Member's Advantage Share Certificate
| Term | Minimum Deposit | APY |
|---|---|---|
| 15 Months | $1,000 | 4.39% |
| 54 Months | $1,000 | 3.35% |
Rates effective March 22, 2023.
Legal Disclosures and Additional Information
Share Certificate Accounts and Individual Retirement Account Share Certificates - Certificate rates are normally established each Wednesday. Fees and/or other conditions may reduce earnings on the account. A penalty may be imposed for early withdrawal. If you have any comments or requests, please email 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.
- Can I withdraw from my certificate early without penalty?
No. Withdrawals are allowed on each of our certificate types, but they come with a penalty. Visit our Rates Dashboard for current rates and fees.
- 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?
There are three different ways to open an Ascend certificate. Interested in learning more or getting started online? Use our online form and an Ascend representative will reach out to you within 1-3 business days.