Certificates

Grow your savings with confidence.

Thinkwise Certificates offer guaranteed returns, flexible terms, and competitive rates to help you reach your financial goals.

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Certificate options for every goal.

Whether you're saving for the future, retirement, or teaching your child financial habits, Thinkwise offers flexible certificate solutions.

Term Share
Certificate

Flexible terms
A Term Share Certificate combines the safety of insured funds with a greater earning potential than a regular Share Savings Account.
  • Term Share Certificates from 3–60 months
  • Rates are locked for the term of the term share
  • $500 minimum balance required
  • Competitive rates

Traditional IRA Term Share Certificate

Retirement
Grow retirement savings with competitive fixed rates and the flexibility to add more after opening.
  • 12-month term
  • Requires a $500 minimum balance to open
  • Additional deposits of $100 or more can be made after open date
  • Competitive fixed rates

Roth IRA Term Share Certificate

Tax-advantaged
A smart retirement option with fixed rates and the ability to keep building your balance over time.
  • 12-month term
  • Requires a $500 minimum balance to open
  • Additional deposits of $100 or more can be made after open date
  • Competitive fixed rates

Youth Term Share Account

Gen T
Investing for your child’s future has never been more affordable with a special 12-month term share designed for Gen T accounts.
  • Low minimum opening balance of $100
  • Additional deposits in increments of $25 or more at any time
  • Competitive term share rate
  • Designed for youths under 18

Every Thinkwise certificate includes more.

Thinkwise certificates offer guaranteed returns and are a safe, simple way to grow your savings over time.

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Digital Access

Manage your certificates online with Home Banking.

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Flexible Terms

Choose from a range of terms that suit your savings goals.

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NCUA Insured

Your deposits are federally insured for added peace of mind.

Explore our IRA resources below.

Certificate brochure 1 Certificate brochure 2 Certificate brochure 3 Certificate brochure 4 Certificate brochure 5 Certificate brochure 6

Ready to open your certificate?

Contact us at 909-882-2911 or visit one of our branch locations today to get started.

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