Certificates Rates

Special Share Certificate, $5,000 minimum balance to open*
Term $5,000 + Balance
  APY** DIVIDEND RATE
24 Months 2.16% 2.14%
60 Months 2.51% 2.49%

 

Regular Share Certificate, $1,000 minimum balance to open*
Term $1,000 - $9,999 Balance $10,000 - $24,999 Balance $25,000+ Balance
  APY** DIVIDEND RATE APY** DIVIDEND RATE APY** DIVIDEND RATE
3 Months 0.43% 0.43% 0.46% 0.46% 0.49% 0.49%
6 Months 0.48% 0.48% 0.51% 0.51% 0.54% 0.54%

 

Regular Share Certificate, $1,000 minimum balance to open*
Term $1,000 - $9,999 Balance $10,000 - $24,999 Balance $25,000+ Balance
  APY** DIVIDEND RATE APY** DIVIDEND RATE APY** DIVIDEND RATE
12 Months 0.68% 0.68% 0.71% 0.71% 0.74% 0.74%
18 Months 0.83% 0.83% 0.86% 0.86% 0.89% 0.89%
24 Months 0.98% 0.98% 1.01% 1.01% 1.05% 1.05%
36 Months 1.13% 1.13% 1.16% 1.15% 1.19% 1.18%
48 Months 1.48% 1.47% 1.52% 1.51% 1.57% 1.56%
60 Months 1.71% 1.70% 1.76% 1.75% 1.81% 1.80%

 

Dividends At Maturity Certificate, $1,000 minimum balance to open(1)*
Term $1,000 - $9,999 Balance $10,000 - $24,999 Balance $25,000+ Balance
  APY** DIVIDEND RATE APY** DIVIDEND RATE APY** DIVIDEND RATE
11 Months 0.48% 0.48% 0.50% 0.50% 0.53% 0.53%

 

Progressive “Step-Up” Certificate, $1,000 minimum balance to open(2)*
Term $1,000 - $9,999 Balance $10,000 - $24,999 Balance $25,000+ Balance
  APY** DIVIDEND RATE APY** DIVIDEND RATE APY** DIVIDEND RATE
25 Months 0.62% 0.62% 0.65% 0.65% 0.68% 0.68%

 

Penalty-Free Certificate, $1,000 minimum balance to open(3)*
Term $1,000 - $9,999 Balance $10,000 - $24,999 Balance $25,000+ Balance
  APY** DIVIDEND RATE APY** DIVIDEND RATE APY** DIVIDEND RATE
15 Months 0.47% 0.47% 0.50% 0.50% 0.53% 0.53%
Traditional, Roth & Coverdell IRA Share Certificate, $1,000 minimum balance*
Term $1,000 - $9,999 Balance $10,000 - $24,999 Balance $25,000+ Balance
  APY** DIVIDEND RATE APY** DIVIDEND RATE APY** DIVIDEND RATE
12 Months 0.68% 0.68% 0.71% 0.71% 0.74% 0.44%
18 Months 0.83% 0.83% 0.86% 0.86% 0.89% 0.89%
24 Months 0.98% 0.98% 1.01% 1.01% 1.05% 1.05%
36 Months 1.13% 1.13% 1.16% 1.15% 1.19% 1.18%
48 Months 1.48% 1.47% 1.52% 1.51% 1.57% 1.56%
60 Months 1.71% 1.70% 1.76% 1.75% 1.81% 1.80%

 

Interest At Maturity Traditional & Roth IRA Certificate, $1,000 minimum balance(1)*
Term $1,000 - $9,999 Balance $10,000 - $24,999 Balance $25,000+ Balance
  APY** DIVIDEND RATE APY** DIVIDEND RATE APY** DIVIDEND RATE
11 Months 0.48% 0.48% 0.50% 0.50% 0.53% 0.53%

 

Progressive "Step-Up" Traditional & Roth IRA Certificate, $1,000 minimum balance(2)*
Term $1,000 - $9,999 Balance $10,000 - $24,999 Balance $25,000+ Balance
  APY** DIVIDEND RATE APY** DIVIDEND RATE APY** DIVIDEND RATE
25 Months 0.62% 0.62% 0.65% 0.65% 0.68% 0.68%

 

Penalty-Free Traditional & Roth IRA Certificate, $1,000 minimum balance(3)*
Term $1,000 - $9,999 Balance $10,000 - $24,999 Balance $25,000+ Balance
  APY** DIVIDEND RATE APY** DIVIDEND RATE APY** DIVIDEND RATE
15 Months 0.47% 0.47% 0.50% 0.50% 0.53% 0.53%

*Unless otherwise disclosed, dividends are calculated daily and paid quarterly. A penalty may be imposed for early withdrawal, which may reduce account earnings. Rates affective as of 05/31/18. Rates are subject to change after account has been opened. At maturity certificates will automatically renew for same term at the current market rate if not withdrawn, except where disclosed differently. Additional 1/4% will be added for direct deposit into a TopLine checking account on certificate terms of 36 months or longer.
**APY means Annual Percentage Yield.
(1) Dividends are paid at maturity. Certificate will automatically renew at maturity into a 6-month regular certificate at the current market rate if not withdrawn.
(2) A one-time rate adjustment to the current day's published rate for the 24-month $10,000 tier at any one time during the initial term is allowed. Certificates automatically renew at maturity into a 24-month certificate at the current published rate if not withdrawn.
(3) Monies can be withdrawn at any one time without penalty as long as the minimum required to earn interest is maintained. Certificates automatically renew at maturity into a 12-month certificate at the current published rate if not withdrawn.