Whether you’re saving for something soon or planning further ahead, our certificates help your savings grow over time

Grow your savings with confidence — and at a guaranteed rate

Certificates offer a fixed dividend rate for a set term, giving you a steady, predictable way to build your savings. It’s a simple option when you’re ready to set money aside and let it grow with clarity and purpose.

Start strong with a simple beginning

Open a Certificate with as little as $500 and no monthly service fee. It’s an easy way to set money aside with intention — and watch it grow steadily over time.

Choose a timeline that fits your goal

With terms ranging from three months to five years, you can align your Certificate with what you’re planning for — whether it’s something just ahead or further down the road.

Set it and stay focused

Certificates can renew automatically at maturity, helping you stay on track without having to start over each term.

Guidance when you’re ready for it

We’re here to help you build your savings over time, with guidance and support as you work toward your goals.

How to get started with opening a certificate

Open a certificate in just a few straightforward steps. Choose the term that fits your goal, fund your account, and let your savings grow at a fixed rate with clarity and confidence. We’re here to guide you if you’d like support along the way.

01
Open your certificate online

Complete your application in just a few minutes. Many members can open their certificate independently online, and we’re here to guide you if you need support along the way.

02
Choose the term that fits your plans

Select the certificate term that aligns with your timeline — from 3 months to 60 months, including promotional and specialty options.

03
Fund your certificate and let it grow

Fund your certificate and your money grows at a fixed rate for the full term.

Your questions, answered

A certificate is a savings product that allows you to earn a fixed interest rate on money you deposit for a set period of time—such as 6 months, 1 year, or longer. 

In exchange for keeping your funds in the account until the maturity date, you typically receive a higher interest rate than a regular savings account. Certificates offer predictable returns and are insured (by the NCUA at credit unions) up to applicable limits. 

If you withdraw funds before the term ends, an early withdrawal penalty may apply. 

Allegacy Financial offers fixed-rate certificates with terms ranging from 3 to 60 months. In addition to standard certificates, members may choose a 7-month promotional certificate, a 14-month promotional certificate, a Mortgage Savers 60-month certificate designed for longer-term goals, or an online-only 24-month certificate with a $1,000 minimum opening deposit. Each certificate provides a fixed dividend rate, so you know exactly how your savings will grow over the selected term. 

Choosing the right certificate term starts with your timeline. If you plan to use your savings within the next year, a shorter-term certificate may be appropriate. If your goal is several years away, a longer-term certificate can provide steady and predictable growth. The most important step is aligning your certificates' maturity date with when you expect to need the funds. If you would like guidance, our team is always available to help you review your options and move forward with confidence. 

When your certificate reaches its maturity date, you may renew it into a new certificate term, transfer the funds to another account, or withdraw your savings. You will have a 7‑calendar‑day grace period after maturity to make changes. If no action is taken during that time, your certificate will automatically renew according to the terms outlined in your Certificate Agreement. Before maturity, we will provide information about your options so you have time to review and decide what works best for your plans.

Both promotional and standard certificates offer fixed dividend rates and a defined maturity date. The primary difference is availability and term structure. Promotional certificates, such as the 7-month and 14-month options, are limited-time offerings with specific terms. Standard certificates are available year-round and provide a broader range of terms from 3 to 60 months. The right choice depends on your timeline and savings goal. 

The Mortgage Savers 60-Month Certificate is designed for longer-term savings goals, particularly preparing for a future home purchase. With a fixed rate over five years, it provides steady growth and a clear timeline to help you move toward your homeownership plans with intention and confidence.