Certificate Accounts

Select a term, lock in a rate and start earning higher dividend rates with our Certificate Accounts.

A big dream doesn’t have to come with big risk.

Certificate Accounts (formerly called Term Share Accounts) offer you higher dividend rates with terms of 6, 12, 24, 29 and 36 months. Whether you have a low or high balance, Hughes can help grow your investment.

Certificate Account

Minimum balance $1,000. Rates on this account are competitive, and dividends are compounded daily and credited monthly.

Mini-Jumbo Certificate Account

Minimum balance $50,000. Enjoy higher dividend rates on this account for having a bigger balance.

Jumbo Certificate Account

Minimum balance $99,000. Rates on these accounts are the highest offered on our certificate accounts.

Features & Benefits

  • Minimum balance is $1,000
  • Competitive rates
  • Insured by NCUA

Rates

  • 1.11% APY*
    6 Mo. Certificate • $1,000 Min. Balance
  • 1.21% APY*
    6 Mo. Certificate (Mini-Jumbo) • $50,000 Min. Balance
  • 1.31% APY*
    6 Mo. Certificate (Jumbo) • $99,000 Min. Balance
  • 1.36% APY*
    12 Month Certificate • $1,000 Min. Balance
  • 1.46% APY*
    12 Mo. Certificate (Mini-Jumbo) • $50,000 Min. Balance
  • 1.56% APY*
    12 Mo. Certificate (Jumbo) • $99,000 Min. Balance
  • 2.33% APY*
    24 Mo. Certificate • $1,000 Min. Balance
  • 2.43% APY*
    24 Mo. Certificate (Mini-Jumbo) • $50,000 Min. Balance
  • 2.53% APY*
    24 Mo. Certificate (Jumbo) • $99,000 Min. Balance
  • 2.74% APY*
    29 Mo. Certificate • $1,000 Min. Balance
  • 2.84% APY*
    29 Mo. Certificate (Mini-Jumbo) • $50,000 Min. Balance
  • 2.94% APY*
    29 Mo. Certificate (Jumbo) • $99,000 Min. Balance
  • 2.89% APY*
    36 Mo. Certificate • $1,000 Min. Balance
  • 2.99% APY*
    36 Mo. Certificate (Mini-Jumbo) • $50,000 Min. Balance
  • 3.10% APY*
    36 Mo. Certificate (Jumbo) • $99,000 Min. Balance
*APY = Annual Percentage Yield. Certificate Accounts are compounded daily and credited monthly. Minimum Balance required to open an account and earn the posted APY. There is a substantial penalty for early (premature) withdrawal of Certificate Account funds. Please reference Share Accounts Information and Disclosure and/or contact a Credit Union employee for additional information. Rates and terms are subject to change at any time. 

Why Certificate Accounts ?

Earn money market rates, risk-free.

Easy Start Icon

Easy start

Open an account with as little as $1,000.
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Term Options

 Terms of 6, 12, 24, 29 and 36 months offered.
Easy Application Process

Easy Application Process

Skip the branch visit and apply online!

FAQ

Certificate Accounts Frequently Asked Questions

No, we do not allow partial withdrawals. The account would have to be closed and an early withdrawal penalty would apply.

Yes! Log into your Online Banking and under Services Menu, click to Open Account.

Yes. The penalty is based on the type of Certificate Account (see Share Accounts and Disclosures).

Visit our application status portal to check the status of your application, upload documents, or send us questions or comments.