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Term Certificates

Sunward’s term certificates offer a safe way to earn higher dividends and a guaranteed return on your deposits at maturity. With our competitive rates, we can help you meet important savings goals. Make your money work harder and enjoy returns that you can access at your certificate’s maturity. Check out our current rates.

MEGA CERTIFICATE

Our 14-month term certificate special. With a minimum of a $5,000 deposit in new money, you can earn up to:
3.74% DR
3.80% APY**

**Available to personal and business members. Learn more.

FLEX ACCOUNT

Our 16-month term certificate. With a minimum of $500 in deposits, you can earn:
2.96% DR
3.00% APY

Withdraw up to 50% of the funds each calendar month with no penalty fee. Available to personal and business members. Learn more.

BUMP RATE TERM CERTIFICATES

Take advantage of rising rates with a one-time option to raise (or “bump up”) the dividend rate during the term. Available to personal and business members. IRA Bump Rate Term Certificates are also available.

IRA TERM CERTIFICATES

These tax-advantaged retirement accounts can help diversify your portfolio with stable, dependable income. Open with $500 or more. 3- to 60-month terms. Available to personal members only. Learn more.


*APY = Annual Percentage Yield.

**Minimum balance of $100,000 required to earn

Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the US Government. Yields determined at the time of investment. Dividend Rate and APY may change at the discretion of the Board of Directors. A penalty may be imposed for early withdrawal. Visit gosunward.org/Rates for more information.