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Certificates

9-Month Certificate Special

Earn Guaranteed1 Returns with 4.50% APY2 

This limited-time 9-month Certificate Transfer Special offers our best rate exclusively to those who add/open the account online and transfer funds from another financial institution.

  • Only $500 minimum balance required
  • 9-month term
  • Deposit up to $100,000
  • Enjoy automatic renewal at current rates
  • Fixed rate for the term of the certificate 

1 In order to obtain the advertised rate, members must open and fund the 9-Month Certificate Special online through Essential's website using external funds to fund the account. Dividends are paid quarterly. Early withdrawals are subject to penalty. Upon maturity, certificate will renew at the current rate at the time of renewal. See Truth-in-Savings for more disclosures 2APY = Annual Percentage Yield. 3Federally Insured by NCUA.

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Existing Member: Open Now

Certificate Calculator

Build a Brighter Future.
Determine which certificate term works best and how much you should initially deposit to achieve your savings goals.
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Open a share certificate account with and it will grow to in months. The account will have earned in interest.

Share Certificates

Share Certificates are high-earning accounts that can help you earn a significant rate of return on your hard-earned money1. 

  • Only $500 minimum balance required
  • Choose 3 months to 5 year terms
  • Enjoy automatic renewal at current rates
  • Fixed rate for the term of the certificate
  • Early withdrawals are subject to penalty

1Dividends are paid out either monthly or quarterly. Early withdrawals are subject to penalty. Upon maturity, certificate will renew at the current rate at the time of renewal. See Truth-in-Savings for more disclosures. APY = Annual Percentage Yield. Federally Insured by NCUA.

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