Skip to main content

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.

See Rates Open Account

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 3.59% 3.65%
12 Months $500.00 3.20% 3.25%
18 Months $500.00 2.72% 2.75%
SPECIAL: 25 Month Bump*** $500.00 3.64% 3.70%
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. ***This certificate includes a one-time rate increase feature. If ProFed’s published rate for a standard 24-month certificate increases above your current rate during the 25-month term, you may request a one-time increase to that published rate. Member must request the rate increase; it is not automatic. An early withdrawal penalty may apply and may reduce earnings. A minimum daily balance of $500 is required to open the certificate and earn the disclosed APY. No additional deposits are allowed. Certificate renews as a standard 24-month certificate at 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 9/15/26.

How Much Will My Certificate Be Worth At Maturity?

Calculate Now

How Do Taxes And Inflation Affect My Savings?

Calculate Now