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Savings Certificates

Featured Certificate Rates

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If you’ve got money you want to save for longer term, Bellwether’s Savings Certificates (CDs) are the perfect way to let time work for you. Dividends earned can either be added to the certificate balance to compound, or deposited into your savings account for immediate access. Members who are part of the Loyalty Rewards Checking program earn a special bonus rate on their certificates depending on what rewards tier they are in. Learn more about Loyalty Rewards now.

Looking for IRA Certificates, we have those too, click here to find out more.

Check out our CD rates!
Calculate your estimated earnings!
Share Certificates
Effective Date: Sunday, September 23rd, 2018
TermDividend Rate*Annual Percentage Yield (APY)*Min Balance
3 Month 0.60% 0.60% APY $500.00
6 Month 1.00% 1.00% APY $500.00
11 Month 2.18% 2.20% APY $500.00
12 Month 1.09% 1.10% APY $500.00
18 Month 2.37% 2.40% APY $500.00
22 Month 2.57% 2.60% APY $500.00
24 Month 1.24% 1.25% APY $500.00
30 Month 2.96% 3.00% APY $500.00
36 Month 1.49% 1.50% APY $500.00
48 Month 1.79% 1.80% APY $500.00
60 Month 2.37% 2.40% APY $500.00
* Certificate rates quoted above are for members with Platinum Level Loyalty Rewards Checking, and include a .20% bonus added to the base rate. Members with Gold Level Loyalty Rewards Checking receive a .10% bonus added to the base rate, and Silver Level Loyalty Rewards Checking receives a .05% bonus added to the base rate. To determine the base rate, deduct .20% from the above quoted rates.

The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

Disclosure Info

Rates effective as of September 23, 2018



IRAs (Individual Retirement Accounts)

Bellwether offers both IRA certificates, and IRA Savings accounts, which offer tax advantages when the money you save is used for retirement or for education (Coverdell IRAs). Depending on your personal financial situation, you can choose the tax-deferred Traditional IRA or a Roth IRA which is not tax-deductible but allows tax free withdrawals at any time. Always consult your tax advisor to determine the best product for your individual needs.

Let Bellwether help you meet your savings goals or retirement planning needs!

  • $500 minimum balance to open*
  • Various terms from 3 months to 5 years
  • Bonus dividend rates for members in Loyalty Rewards program
  • Regular Savings and IRA certificates available and eligible for all IRA types

I know what a certificate is, but what’s an IRA?

With a traditional IRA, you may invest up to the amount allowed by the U.S. Government, and contributions may be partially or fully deductible depending on your income and participation in an employer-sponsored plan. Withdrawals may not be made without penalty until age 59 ½, unless they are for higher education expenses or for the purchase of a first home. Earnings are tax deferred until withdrawn, and distributions must occur at age 70 ½.

With a Roth IRA, you may also contribute up to the amount allowed by the U.S. Government. Contributions may be withdrawn tax-free anytime, but are not tax deductible. Dividend income is subject to taxation, except after five years to buy a first home, or for any purpose after age 59 ½. Contributions from earned income can be made after age 70 ½, and mandatory distributions are not required.

A CESA (Educational IRA) allows non tax-deductible investments of up to $2,000 per year, per child under the age of 18. Funds may be withdrawn tax-free and IRS penalty-free when used for higher education expenses. Funds set aside for one child but unused, may be transferred to another child in the family.

Ready to start saving? Open a Bellwether IRA  or certificate account today!

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*Early withdrawals from IRA certificate accounts will result in loss of earnings penalty except in certain circumstances. Please refer to disclosures for complete details on minimum opening balance and balance required to earn dividends.
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