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Certificates

Start saving!

You've worked hard for what you have. Now protect your wealth while you continue to save.

Funds placed in a Certificate Account earn a fixed-rate dividend for a fixed period of time. Your funds remain in the account for that set time period and are not accessible without penalty. Because these funds are "locked," you generally earn a higher rate on the account than you do on a Regular Share or Money Market. Unlike investments in the stock market, your funds are not at risk. Funds invested at Tyndall are insured by NCUA, up to $250,000. Information on NCUA's Share Insurance.

Use the Certificate Calculator

So, what are you waiting for? Start your own customized savings plan to steadily - and securely - build your wealth with a Certificate account.

Certificates1 Rates

Rates effective as of 12/18/2024
TermMinimum to Open and Earn APYDividend RateAPY2
7-Month$1,0003.93%4.00%
12-Month$1,0002.47%2.50%
24-Month$1,0002.72%2.75%
36-Month$1,0002.96%3.00%
48-Month$1,0003.20%3.25%
60-Month$1,0003.45%3.50%

1) For all Certificate Accounts, a penalty may be imposed for early withdrawal. For all Certificate Accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. 

2) The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account.

*APY = Annual Percentage Yield. The APY is based on the assumption that dividends will remain in the account until maturity. A withdrawal of dividends will reduce earnings. Fees may reduce earnings. The compounding and crediting of dividends applicable to the account is set forth in the Rate Schedule. A penalty may be imposed for early withdrawal. Membership required; NO membership fee applies.

Check out the features of Tyndall Certificates

  • Higher rates than other savings accounts
  • Minimum required opening deposit - $1,000
  • Terms available from 12 months to 60 months

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