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BumpUP Certificate
The Certificate that keeps UP with a rate bump
Avoid rate FOMO
Worried about locking in a certificate rate only to see rates climb later during your term? That's not a problem with the BumpUP Certificate.
Our 24-month BumpUP Certificate starts with a competitive rate and offers a bump up to current rates if they rise during the term. It's perfect for savers who want the security of guaranteed returns and the opportunity to maximize earnings in a fluctuating market.
- 24-month term
- Earns 3.50% Annual Percentage Yield at opening
- 1 rate bump per term
- $100 minimum deposit - $500,000 maximum deposit
- IRA Eligible
- Renews as a 24-Month BumpUP Certificate
- Federally insured up to the maximum allowed by law
Open a BumpUP Certificate today and get peace of mind knowing you won’t miss out on higher rates later.
24-Month BumpUP Certificate
3.50%
Annual Percent Yield1
+ 1 rate bump if rates rise
Frequently Asked Questions
You can request one rate bump to match current BumpUP Certificate rates during your 24-month term. The rate bump will be effective one business day after it was requested.
For example, if you opened a 24-month BumpUP Certificate with a 2.00% APY but rates for new BumpUP Certificates have increased to 2.85% APY 12 months later, you can request a bump to that higher rate for the remaining months of your certificate term.
BumpUP Certificates are eligible for one rate bump per 24-month term.
When you are ready for the bump, please reach out to us via phone, eBanking secure message or in-person at a branch. We’ll take care of the rest.
No. You will not earn lower than the certificate rate advertised at the time of opening. But if rates go up after opening, your certificate is eligible for one bump up to the current rate.
Federally Insured by NCUA
1Rate is current as of September 1, 2026. Rates are subject to change at any time without notice. Membership eligibility and requirements apply. Fees may reduce earnings. Certificate renews as 24-month BumpUP Certificate at market rate at time of maturity unless otherwise requested.