Education Savings Accounts

Term share certificates²²⁴ are the credit union industry's versions of certificates of deposit (CDs). They have a fixed and variable interest rates and a fixed date of when you can withdraw the funds. Tiered rates are available on most of our certificates, giving you the ability to earn higher rates based on the current balance of your certificate. See rates.

With a variety of terms and rates to choose from, you can start your risk-free retirement savings now.²²⁴ When the term is up, you can roll it over into a different ESA account, or just let it automatically renew at the rate that is current at the time.

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conditions with a variable rate ESA certificate.²²⁴ Earnings are tax-free if the account is open for five tax years and withdrawn for a qualified reason.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.

Add deposits of any amount — anytime! This fixed rate account is a great gift idea, and a smart way to save with automatic payroll deduction. Deposits that raise the balance into the next tier will increase the rate, allowing your money to grow even faster.

This savings certificate²²⁴ allows you to step up to a higher rate.²²⁵ If we advertise a higher rate for this ESA certificate, you can request whatever rate is current, one time, any time during the term of the certificate, and we'll apply it to the remaining term. Just let us know. See rates.

With this account, you can make contributions of any amount, any time throughout the year. This is our most liquid Coverdell Education Savings Account (ESA), and a great way to start if you don't yet have enough for the minimum balance of a certificate. See rates.