Variable Rate ESA Certificates

Variable Rate ESA Certificates

Take advantage of good market conditions with a variable rate ESA certificate.224 Earnings are tax-free if the account is open for five tax years and withdrawn for a qualified reason. See rates.


  • Available in 24 and 36 month terms

  • You can add deposits of any amount, at any time, up to a maximum of $1,000,000 without affecting your term135

  • Federally insured to $250,000 by NCUA


  • Minimum opening balance of $500

  • ​Minimum balance to earn dividends is $500

  • Maximum annual contribution to a Coverdell ESA is $2,000

  • Maximum balance of $1,000,000135

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