Share Certificates

Lock In a Great Rate with a CD

Grow your savings today with a local credit union that has been a part of this local community since 1950. Membership is open to those who live, work, worship, attend school or own a business in York  or Adams County. Your funds are federally insured up to $250,000 by the NCUA.

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Check out our current CD specials:

Current Specials

Term APR APY
11 Months 2.960% 3.000%
15 Months (New Funds Only) 4.169% 4.250%
16 Months 3.445% 3.500%

Share and IRA Certificates

Share Certificates
Term of Months APY* Dividend Rate
3 1.00% 0.995%
6 1.15% 1.144%
12 1.25% 1.243%
18 1.75% 1.736%
24 2.00% 1.982%
30 2.25% 2.227%
36 2.50% 2.472%
48 2.75% 2.716%
60 3.00% 2.960%
Traditional IRA Certificates
Term of Months APY* Dividend Rate
3 1.00% 0.995%
6 1.15% 1.144%
12 1.25% 1.243%
18 1.75% 1.736%
24 2.00% 1.982%
30 2.25% 2.227%
36 2.50% 2.472%
48 2.75% 2.716%
60 3.00% 2.960%
Roth IRA Certificates
Term of Months APY* Dividend Rate
3 1.00% 0.995%
6 1.15% 1.144%
12 1.25% 1.243%
18 1.75% 1.736%
24 2.00% 1.982%
30 2.25% 2.227%
36 2.50% 2.472%
48 2.75% 2.716%
60 3.00% 2.960%

*APY – denotes Annual Percentage Interest Yield. The minimum opening deposit on all certificates is $500.00. A penalty may be imposed for early withdrawal. All rates are subject to change without notice. The above certificate interest rates effective 2/15/2023.

We offer Traditional, Roth and Coverdell Educational IRA’s with variable savings rates or fixed certificates rates. Rollovers and Direct Transfers are encouraged.

Fixed rate Savings and IRA certificates with terms from 3 to 60 months are available. Minimum investment of $500.00. Dividends are computed daily and paid monthly. Speak with one of our Senior Member Service Representatives and begin saving for the future now.

OTHER CD SPECIALS: *Annual Percentage Yield. All rates are subject to change without notice. Special CD APY of 3.00% , 3.50%, and 4.25% valid for a limited time only and subject to end or change at any time without notice. Nominal dividend rate is 2.960% for the 11 month special , 3.445% for the 16 month special, and 4.169% for the 15 month special. $500 minimum balance required. Penalty for early withdrawal. CD 11 month special, 16 month special, and 15 month special will automatically renew into a 6 month CD. 15 Month Special applies to new money only. Must qualify for membership. Some restrictions apply. Federally insured by NCUA.