Certificate Accounts are available for the highest possible return on your savings. The minimum deposit to open a certificate is $500. Rates are established weekly for terms from 90 days to five years. Earn a greater return on a Mini-Jumbo Certificate of $10,000 to $49,999.99. A Jumbo Certificate of Deposit minimum of $50,000 earns an even greater return. Penalty for early withdrawal. Interest paid monthly. Click here to view the current Certificate Account rates.