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Certificate accounts offer a stable, secure way to grow your money, especially funds you don't need access to right away. You'll earn a guaranteed rate for the term of your certificate, and you can have peace of mind knowing your principal is federally insured. In addition, certificates traditionally offer higher rates than savings or money market accounts so you can reach your savings goals faster.

Opening an account is easy! You can apply online in just a few minutes.


Certificate Rates

Rates accurate as of September 29, 2022
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Here's the scoop on certificates

If you have funds you won't be needing right away, choose a longer term certificate to maximize your earning potential. Or ask us about laddering as a strategy to keep your earning potential on track without locking up your funds in a single, long-term certificate.

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Guaranteed return

Your rate is locked in for the term of the certificate

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A variety of terms

Choose the timeframe that works for you, from 3 months up to 48 months

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Tiered rates

Earn higher rates for higher balances and longer terms

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Bump it up

One-time bump feature lets you increase your rate, depending on the term

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Put your money to work for you

Certificates are a great option for funds you won't be needing right away. You can lock in your rate for the term of your certificate as well as earn a higher rate on higher balances.

  1. Rates vary based on term and balance
  2. Terms vary from 3 months up to 48 months (3, 6, 12, 24, 36 and 48)
  3. $500 minimum deposit
  4. Make additional deposits of $25 or more by payroll deduction or direct deposit
  5. Partial withdrawals of posted dividends prior to maturity allowed without a penalty
  6. Certificate-secured loans available
  7. Laddering may help you maximize your earnings without locking up all your money


Don't take our word for it. Here's what our members say:

"I have been a member for over 30 years. Solarity has helped me buy cars, property and save for my childrens’ college!"

-Joanne M., member since 1982

"I find banking with Solarity to be really easy and convenient. They’re always very helpful and able to answer any of my questions and I really feel like our money is safe with Solarity."

-Kim W., member since 2003

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Ready to open a certificate?

We make opening your account FAST and EASY! There are three simple ways to get started:

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It only takes a few minutes to fill out and submit the online application form.

Let's do it!
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By phone

Connect with our friendly team members at 800.347.9222. We'll explain the products and get you ready to open your new account.

Call now
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At a branch

Stop by any of our local branches and speak with one of our helpful Experience Guides.

See locations


Common questions about personal banking

Click on the “Open an Account” button.

Once you’ve selected the type of account you’d like to open, the application will walk you through what's needed to complete the process.

If you need assistance, call us at 800.347.9222 or chat with us online. We'll be happy to help.

Members are able to withdraw $1,500 in cash each day from an ATM and can withdraw up to $5,000 in cash per day from one of our locations.

If you would like to withdraw more than $5,000 in cash, please give us a call at 800.347.9222 so we can ensure cash availability.

Find An ATM


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Annual Percentage Yield (APY) accurate as of date shown and subject to change. Fixed rate for the term of your certificate; dividends are compounded daily and credited monthly or at maturity. There is a penalty for early withdrawal.

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