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Lock In Your Savings

Transfer your dollars into a certificate where your savings grow effortlessly while staying securely out of reach. With higher fixed dividend rates and a guarantee on returns, certificates are a safe choice for those who can commit to locking away their savings for a specific period.

Open a Certificate with a minimum opening balance of $500.00, choose a term ranging from 3 to 60 months, and withdraw dividends with no penalty. Funds up to at least $250,000 are federally insured by the NCUA.

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Certificate Rates

Open Certificate
Certificate** Minimum Opening Balance Dividend Rate APY*
3 Months $500.00 1.98% 2.00%
6 Months $500.00 2.47% 2.50%
9 Months $500.00 2.96% 3.00%
12 Months $500.00 2.96% 3.00%
18 Months $500.00 2.72% 2.75%
SPECIAL: 24 Month Soaring $500.00 increases over term*** 3.46%
24 Months $500.00 2.72% 2.75%
30 Months $500.00 2.72% 2.75%
36 Months $500.00 2.72% 2.75%
48 Months $500.00 2.72% 2.75%
60 Months $500.00 2.72% 2.75%
12 Month EZ Saver $25.00 2.96% 3.00%
24 Month EZ Saver $25.00 2.72% 2.75%

Membership at ProFed is required. *APY = Annual Percentage Yield. **To obtain the annual percentage yield disclosed you must maintain the minimum daily balance disclosed on your Certificate. ***The dividend rate increases over the 24-month term: 3.15% for the first 8 months, 3.40% for the next 8 months, and 3.65% for the final 8 months. The annual percentage yield is 3.46%, assuming the certificate is held to maturity. Certificates with special rates can only be opened in-person at a branch or by phone. Offer valid for a limited time only. Rates were last updated on 5/01/26.

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