Higher returns with peace of mind

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.

Grow your savings

Rates accurate as of June 06, 2023
Minimum to earn APY

Tiered rates: earn a higher rate for higher balances

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Here's the scoop on certificates

Certificates are like certificates of deposit (CDs), but certificates are issued by credit unions and CDs are issued by banks. 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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Penalty-free withdrawals

Partial withdrawals of posted dividends are allowed prior to maturity without a penalty

Solarity Credit Union Certificate Deposits

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.

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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.


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*Annual Percentage Yield (APY) effective as of date shown. Rates and terms subject to change. Minimum of $10,000 required to open and earn APY for certificate special; maximum opening deposit of $1 million. Does not apply to IRAs. Certificate-secured loans available. Penalty for early withdrawal: certificates that are redeemed early shall have a penalty of 90 days of dividends on terms of 12 months or less, and 180 days of dividends on terms over 12 months. Partial withdrawals of posted dividends are allowed prior to maturity without a penalty. The amount of the penalty may be deducted from the principal of the Share Certificate if the dividend has previously been withdrawn. Penalties may be waived under certain circumstances. Fees may reduce earnings.

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