wellspoken

Smart Step Certificates

Give the gift of a Smart Step Certificate to members age 24 and younger. A minimum deposit of $250 is all that is required to open a Smart Step Certificate account. 6 month and 12 month options are available. These holiday season rates are available for a limited time.

Smart Step Certificate Rates

The APY is accurate as of Dec 05, 2017

Minimum balance to open and earn the APY
6 Months $250 12 Months $250
Dividend Rate 1.24% Dividend Rate 1.74%
APY* 1.25% APY* 1.75%


Share Certificates

With as little as $500, members can invest in a Fixed Rate Share Certificate and maximize their earnings.

  • Minimum balance: $500
  • Terms: 6 to 60 months
  • Dividends are computed daily and compounded quarterly.
  • Dividends may accumulate in the account or be transferred to another account.



Please contact us for our current Truth in Savings Disclosure. Early withdrawal penalties may apply.

Certificate Rates

The APY is accurate as of Feb 03, 2018

Minimum balance to open and earn the APY
6 Months $500 $10,000 $50,000
Dividend Rate 0.15% 0.25% 0.30%
APY* 0.15% 0.25% 0.30%
12 Months $500 $10,000 $50,000
Dividend Rate 0.30% 0.40% 0.50%
APY* 0.30% 0.40% 0.50%
Promotional APY* 1.55% 1.55% 1.55%
18 Months $500 $10,000 $50,000
Dividend Rate 0.35% 0.45% 0.55%
APY* 0.35% 0.45% 0.55%
24 Months $500 $10,000 $50,000
Dividend Rate 0.40% 0.50% 0.60%
APY* 0.40% 0.50% 0.60%
Promotional APY* 1.80% 1.80% 1.80%
36 Months $500 $10,000 $50,000
Dividend Rate 0.65% 0.75% 0.85%
APY* 0.65% 0.75% 0.85%
48 Months $500 $10,000 $50,000
Dividend Rate 1.145% 1.24% 1.34%
APY* 1.15% 1.25% 1.35%
60 Months $500 $10,000 $50,000
Dividend Rate 1.24% 1.39% 1.49%
APY* 1.25% 1.40% 1.50%
Promotional APY* 2.40% 2.40% 2.40%
*APY is Annual Percentage Yield. The APY is accurate as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded on the first day of each quarter. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions, please call our Member Services Department at 208-884-0150 or 800-223-SAVE (7283).
Google+ Authorship