Share Certificates

Share Certificates

Your money should work as hard as you do. Salal Certificates are like certificates of deposit (or CDs) offered by banks. Like CDs, they pay a higher dividend rate than savings accounts in exchange for your promise to leave your money deposited for a specified amount of time. Choose from a wide range of rates and terms to earn competitive dividends, including Choice Certificates (only $500 to open) and Youth Certificates (only $100 to open).

Salal Certificates
  • Terms from 6 months to 4 years
  • Minimum opening balance of $1,000
  • Longer terms and/or larger opening balances may receive higher dividend rates
  • A penalty may be imposed for early withdrawal
  • Compounding certificates are calculated and credited monthly
  • Increase certificate rate by 0.25% with 2,500 Salal Rewards points
  • Insured up to $250,000

See our current rates and disclosure information.

Choice Certificates
  • Additional deposits can be made throughout term
  • 6-month term
  • Minimum opening balance of $500
  • Larger balances may receive higher dividend rates
  • A penalty may be imposed for early withdrawal
  • Insured up to $250,000

See our current rates and disclosure information.

Youth Certificates
  • For members 17 years old and younger
  • Additional deposits can be made throughout the 24-month term
  • Minimum opening balance of $100
  • Larger balances may receive higher dividend rates
  • A penalty may be imposed for early withdrawal
  • Insured up to $250,000

See our current rates and disclosure information.

TermBalanceRateAPY*
6 Months $1,000 - $2,499 0.05% 0.05%
$2,500 - $9,999 0.05% 0.05%
$10,000 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.10% 0.10%
$50,000 - $99,999 0.15% 0.15%
Jumbo ($100,000 +) 0.20% 0.20%
9 Months $1,000 - $2,499 0.05% 0.05%
$2,500 - $9,999 0.05% 0.05%
$10,000 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.10% 0.10%
$50,000 - $99,999 0.15% 0.15%
Jumbo ($100,000 +) 0.20% 0.20%
12 Months $1,000 - $2,499 0.05% 0.05%
$2,500 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.20% 0.20%
$50,000 - $99,999 0.25% 0.25%
Jumbo ($100,000 +) 0.30% 0.30%
18 Months $1,000 - $2,499 0.34% 0.34%
$2,500 - $9,999 0.38% 0.38%
$10,000 - $24,999 0.50% 0.50%
$25,000 - $49,999 0.54% 0.54%
$50,000 - $99,999 0.55% 0.55%
Jumbo ($100,000 +) 0.55% 0.55%
24 Months $1,000 - $2,499 0.48% 0.48%
$2,500 - $9,999 0.50% 0.50%
$10,000 - $24,999 0.55%0.55%
$25,000 - $49,999 0.55%0.55%
$50,000 - $99,999 0.55%0.55%
Jumbo ($100,000 +) 0.55%0.55%
30 Months $1,000 - $2,499 0.57% 0.57%
$2,500 - $9,999 0.60% 0.60%
$10,000 - $24,999 0.60% 0.60%
$25,000 - $49,999 0.65% 0.65%
$50,000 - $99,999 0.65% 0.65%
Jumbo ($100,000 +) 0.65% 0.65%
36 Months $1,000 - $2,499 0.80% 0.80%
$2,500 - $9,999 0.80% 0.80%
$10,000 - $24,999 0.85% 0.85%
$25,000 - $49,999 0.90% 0.90%
$50,000 - $99,999 0.90% 0.90%
Jumbo ($100,000 +) 0.90% 0.90%
48 Months $1,000 - $2,499 1.14%1.15%
$2,500 - $9,999 1.24%1.25%
$10,000 - $24,999 1.29%1.30%
$25,000 - $49,999 1.39%1.40%
$50,000 - $99,999 1.39%1.40%
Jumbo ($100,000 +) 1.39%1.40%
BalanceInterest RateAPY*
$500 - $999 0.05% 0.05%
$1,000 - $9,999 0.09% 0.09%
$10,000 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.10% 0.10%
$50,000 - $99,999 0.15% 0.15%
Jumbo ($100,000 +) 0.20% 0.20%
BalanceRateAPY*
$100 - $999 0.10% 0.10%
$1,000 - $9,999 0.15% 0.15%
$10,000 - $24,999 0.25% 0.25%
$25,000 - $49,999 0.29% 0.29%
$50,000 - $99,999 0.32% 0.32%
Jumbo ($100,000 +) 0.35% 0.35%

*APY = Annual Percentage Yield

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