Essentially a long-term savings account, a Certificate Account is a safe, federally-insured way to enjoy a higher return on your money in return for leaving funds untouched.

Proponent has several Certificate Accounts from which to choose, with competitive rates and flexible terms from 1 month to 5 years.

We also offer IRA (Individual Retirement Account) versions of most Certifcate Accounts. What’s more, available Certificate Pledge Loans allow you to borrow against the value of your Certificates. To open a Certificate Account, ask a branch representative or click here.

Recommended for:
Members who value interest over liquidity. While Certificate Accounts generally “tie up” your money for 1 month or more, they offer higher rates and reinforce good saving habits.

Click here to find out more about our Certificate Account products.