Personal Share Certificates (chimney calculator test)
Pick-A-Term Share Certificates
Your savings. Your timeline. Your terms.
Whether you're saving for something just around the corner or a milestone years away, our Pick-a-Term Share Certificates are designed to grow with you. Choose a term that fits your goals—from short-term planning to long-term dreaming—and lock in a great rate while you do it.
Open a Certificate Now Fees Rates
Grow as you go with a 1 Year Add-On Certificate! Add funds to your certificate anytime during the 12-month term.
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Pick-A-Term Certificates are perfect for:
- Saving up for big purchases
- Planning for life milestones (say "hello" to weddings, a new home, or a new baby)
- Locking in long-term savings while rates are solid
- Just finally doing that "grown-up" thing you've been meaning to do.
Terms that fit your timeline.
3 - 60 Months
Short-term savings for splash-worthy goals.
Whether you're planning a vacation, home project, or rainy day fund, our 3–60 month certificates let you grow your savings on a timeline that fits your life—no floaties required.
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7 Years
Saving for the next big step.
This 7-year certificate is perfect for planning ahead—like tuition, a degree, or any goal that deserves a standing ovation (cap and gown optional).
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10 Years
Long-term savings for life’s biggest milestones (and tiniest socks).
Our 10-year certificate helps you build a strong financial future for what matters most, whether it’s for your child, retirement, or your “someday” dreams.
Apply NowFrequently Asked Questions
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What terms are available?
We offer a wide range of options:
Short-Term: 3, 6, 9, 12 months
Mid-Term: 18, 24, 36, 48, 60 months
Long-Term: 7 years, 10 years
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What's the minimum deposit to open a Share Certificate at Topside?
The minimum deposit required is $100.
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Can I withdraw funds before the term ends?
Yes, but early withdrawals are subject to a penalty and may reduce earnings. We recommend choosing a term that matches your financial timeline to avoid needing early access.
For terms of 12 months or less, the early withdrawal penalty is equivalent to 90 days’ worth of dividends.
For terms exceeding 12 months, the penalty increases to 180 days’ worth of dividends.
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How are these different from the 1 Year Add-On Certificate?
Great question! Our 1-Year Add-On Certificate also has a fixed rate (which may differ from our traditional/Pick-A-Term 12 month share certificate), but it lets you make additional deposits anytime during the 12-month term—perfect for growing your savings over time.
Think of the 1-Year Add-On as a build-as-you-go option, while Pick-a-Term Certificates are ideal when you want to set your savings in place and let it grow untouched. -
What happens when the certificate matures?
At maturity, your certificate will automatically renew for the same term unless you choose a different option during the 10-day grace period.
Certificates from 3-60 months, 7 years, and 10 years available. Penalty for early withdrawal. Fees could reduce earnings. Membership eligibility required.
- Dividends paid at maturity for certificates less than 12 months
- Dividends compound and pay quarterly on 1 to 10 year certificates
- No monthly service charge
- $100 minimum balance to open and earn APY.
View our Funds Availability Policy Disclosure
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