Term Certificates
Certificates help you earn a fixed rate on your savings for a set term.
OPEN AN ACCOUNTFederally insured by NCUA.
A clearer way to save for what's ahead
Know what you'll earn
With a fixed rate and defined term, a certificate gives you a predictable return on savings you can set aside.
Choose a timeline that fits
Pick from short and longer-term options based on savings goals and when you plan to use your money.
Keep savings set aside
A certificate can help separate money for future plans, like a major purchase, home project, trip, emergency cushion, or your next financial milestone.
Get help choosing your option
Our team can help you compare certificate options and decide what works best for your savings timeline.
Rate and term options
Choose the certificate option that fits your savings plan. Standard certificates work well when you know your timeline. Flex and promotional options may give you more ways to balance rate, access, and timing.
View our certificate account guide for details
13 Month Promotional Certificate
A limited-time certificate option for members who want a fixed return
over a shorter timeline.
Minimum Balance $500
| Term | Minimum Balance $500 |
|---|---|
| 13 months | 3.78% DR 3.85% APY1 |
1APY = Annual Percentage Yield, DR = Dividend Rate.
APY if dividends are not withdrawn during the term. 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.
Standard Term Certificates
For savings you can set aside for a defined term. This option works well
when you know when you’ll need the money and want a fixed return.
Minimum Balance $500
| Term | Minimum Balance $500 |
|---|---|
| 3 months | 3.06% DR 3.10% APY1 |
| 6 months | 3.59% DR 3.65% APY1 |
| 12 months | 3.69% DR 3.75% APY1 |
| 24 months | 3.93% DR 4.00% APY1 |
| 36 months | 3.45% DR 3.51% APY1 |
| 48 months | 3.45% DR 3.51% APY1 |
| 60 months | 3.50% DR 3.56% APY1 |
1APY = Annual Percentage Yield, DR = Dividend Rate.
APY if dividends are not withdrawn during the term. 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. IRA Term Certificates are available to personal members only. Standard Term Certificates are available to personal and business members.
The 4.00% APY is a promotional rate available for a limited time and applies to new 24-Month Certificates funded with new money. New money is defined as funds not currently on deposit with Sunward.
FLEX Account
The 16-month FLEX Account gives you a fixed term, a strong rate, and added flexibility. You can withdraw up to 50% of the funds once per calendar month, penalty free.
Learn MoreFLEX Account Rates
Sunward's 16-month FLEX Account is designed for members who want
certificate earnings with some access to their funds. A promotional rate
is available for a limited time, with the account then continuing as a
standard 16-month FLEX Account. On the promotional rate, additional
deposits may be added during the first 90 days after account opening.
Terms apply.
Promotional Minimum Deposit: $100,000
Standard Minimum Deposit: $500
| Term | Balance | Dividend Rate | APY1 |
|---|---|---|---|
| 16 months | $500 - $99,999.99 | 3.45% | 3.51% |
| 16 months | $100,000 and over | 3.69% | 3.75%* |
1APY = Annual Percentage Yield. DR = Dividend Rate.
$500 minimum opening deposit. APY if dividends are not withdrawn during the term. Share accounts are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. Government. Yields are determined at the time of investment. Dividend rate and APY may change at the discretion of the Board of Directors. During the term of this FLEX Term Certificate, the account owner may withdraw up to 50% of the account balance once per calendar month without penalty. If more than 50% of the balance is withdrawn, a penalty will be applied to the amount exceeding 50% that is equivalent to 180 days' worth of dividends on the remaining amount. Withdrawals that reduce your qualifying balance will result in a lower rate for the remaining balance and term. A penalty may be imposed for early withdrawal. Available to personal and business members.
*The 3.75% APY is a promotional rate available for a limited time and applies to new FLEX Term Certificates with balances of $100,000 or more.
Your path to a term certificate
1
Apply online
Open your term certificate online in as little as 15 minutes.
2
Choose your term
Pick the certificate option and timeline that fit your savings goal.
3
Fund your certificate
Move money into your certificate from an eligible account.
4
Grow your savings
Earn a fixed return through the term, with dividends paid according to the account terms.
Need more access to your savings?
A term certificate is built for money you can set aside. If you want more flexibility, explore savings account options that let you keep funds available while still working toward your goals.
Explore Savings Accounts