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Routing #291973687
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Routing #291973687
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Share & IRA Certificate Rates

Short or long term investing, we can help with terms from 6 months up to 48 months!
To assure you receive the highest rate on certificates, we base our rates on cumulative certificates in your account plus the amount of the new certificate to help you reach the highest tiered rate we offer. Call 218-722-9242 if you would like a quote on your best rate. Funds are insured to at least $250,000 by the National Credit Union Administration (NCUA)

5 & 11-Month Share Certificate Special 4.00% APY* $5,000 Min. Details

6 Month Share Certificate & IRA Certificate *

Superior Rewards 2
Certificate BalanceAPR 1  APY 1  APR 1APY 1
$1,000.00-$99,999.99 2.40%2.43%2.90%2.94%
$100,000.00-$249,999.99 2.50%2.53%3.00%3.04%
$250,000+ 2.60%2.63%3.10%3.14%

12 Month Share Certificate & IRA Certificate *

Superior Rewards 
Certificate BalanceAPR   APY   APR APY 


24 Month Share Certificate & IRA Certificate *

Superior Rewards
Certificate BalanceAPR   APY   APR APY 


36 Month Share Certificate & IRA Certificate *

Superior Rewards 
Certificate BalanceAPR   APY   APR APY


48 Month Share Certificate & IRA Certificate *

Superior Rewards 
Certificate BalanceAPR   APY   APR APY 

Earn A Higher Rate On Your Share Certificate With Superior Rewards (details here)

Looking for an easy way to save up for a Share Certificate?  We offer a simple way with our Dream Builder Certificate (details here)


1 APR = Annual Percentage Rate, APY = Annual Percentage Yield. Dividend on 6-month term certificates compounds monthly, dividend on 12, 24 & 48 month certificates compounds quarterly. A penalty of 180 days loss of interest will or may be imposed for early withdrawal on all certificates. Fees could reduce earnings on account. $1,000 minimum deposit required. All certificates are set to auto-renew at the rate in effect at maturity. Certificate term may be changed or certificate may be closed for a period of 7 days after maturity without penalty.

2 Superior Rewards certificate rates require a checking account with 10 debits or more per month OR checking account with 5 debits per month and a direct deposit to checking of $300 or more each month. Superior Rewards members receive an extra .50 percent above current certificate rate. 

The Annual Percentage Yield is accurate as of July 20th, 2024 and is subject to change. 

* Disclaimer: While we strive to keep our site updated with all current rates and information, these rates may be outdated. Please call or stop in before making a final decision.