Certificates

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Certificate Accounts

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Great rates, many available terms

Sometimes, a dependable option is the right choice. Our share certificates will have you earning more than our basic savings account. Select from a variety of terms to support your savings needs and timelines:

Earn up to % APY¹. See all terms and rates
A certificate designed to allow deposits
Enjoy dependable yield during market fluctuations
Funds are insured by NCUA²
Already have a Broadview certificate? See how to set renewal preferences in digital banking before its maturity date.

Open an Account

Certificate Choices

Fixed-Rate Share Certificate

Earn steady dividends

$500 minimum to open

3 to 60-month fixed term

No-risk investment

Can be used as collateral on a Broadview loan

Open Account

See Rates

Bump Up Share Certificate

Fixed rate for 18 months with extra flexibility

$500 minimum to open

Can change terms to bump up your rate within the first six months³

Can be used as collateral on a Broadview loan

Open Account

See Rates

Add-On Certificate

Allows Ongoing Deposits

$100 minimum to open

Fixed rate, no monthly fees

12-month term

Guaranteed returns

Open Account

See Rates

HSA Share Certificate

Earn higher dividends

6 to 36-month terms

Pay for qualified health care expenses later

Return is guaranteed

Open Certificate

See Rates

Traditional and Roth IRA Share Certificate

Guaranteed dividends

6 to 60-month terms

Potential tax benefits⁴

Boost retirement savings

Open Certificate

Learn more

Coverdell Education Share Certificate

Build up a college fund over time

$500 minimum to open

Save up to $2,000 a year

Contributions can be withdrawn anytime

Open Certificate

Learn more

Jump Start Your Savings

Do you want to save for something special like an amazing vacation, a brand new wardrobe, or a state-of-the-art entertainment system? Then now is the time to put away money for a planned expense, or to create a rainy-day fund.

Savings Planner

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Helpful Resources

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College Savings Solutions

Broadview has partnered with SAGE Scholars to offer two programs to help curb those costs.

Tuition Rewards Program

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Make the most of every Broadview benefit to simplify your finances and bank your way.

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Prepare For Retirement

Discover five important steps you can take to prepare for the retirement you’ve been dreaming of. Join us for an upcoming Retirement Bound workshop.

Cash for Any Purpose

Our low-rate personal loan can help you cover unexpected expenses, update your home, pay off high interest debt – and more!

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Fixed Rate Certificates

Open an Account is a list of Certificate products, the balances required, and the earnings. The first column is the product name. The remaining columns represent different balance levels for the product and if it is offered as an IRA with corresponding dividend rate and annual percentage yields.
Term	Minimum to open and obtain APY¹	Dividend Rate³	APY¹
	$500	%	%
	$500	%	%
	$500	%	%
18 Month	$500	%	3.75%
18 Month Bump Up⁴	$500	%	3.75%
	$500	%	%
	$500	%	%
	$500	%	%
	$500	%	%
12 Month Add-on	$100	3.19%	3.25%

Traditional & Roth IRA Certificates

Open an Account
remaining columns represent different balance levels for the product and if it is offered as an IRA with corresponding dividend rate and annual percentage yields.
Term	Minimum to open and obtain APY¹	Dividend Rate³	APY¹
6 Month IRA²	$500	%	%
12 Month IRA²	$500	%	%
12 Month Add-On IRA²	$500	3.19%	3.25%
18 Month IRA²	$500	%	%
24 Month IRA²	$500	%	%
36 Month IRA²	$500	%	%
48 Month IRA²	$500	%	%
60 Month IRA²	$500	%	%

Coverdell Education IRA Certificates

Open an Account

a list of Certificate products, the balances required, and the earnings. The first column is the product name. The remaining columns represent different balance levels for the product and if it is offered as an IRA with corresponding dividend rate and annual percentage yields.
Term	Minimum to open and obtain APY¹	Dividend Rate³	APY¹
6 Month IRA²	$500	%	%
12 Month IRA²	$500	%	%
12 Month Add-On IRA²	$500	3.19%	3.25%
18 Month IRA²	$500	%	%
24 Month IRA²	$500	%	%
36 Month IRA²	$500	%	%
48 Month IRA²	$500	%	%
60 Month IRA²	$500	%	%

Health Savings Certificates

Open an Account
list of Certificate products, the balances required, and the earnings. The first column is the product name. The remaining columns represent different balance levels for the product and if it is offered as an IRA with corresponding dividend rate and annual percentage yields.
Term	Minimum to open and obtain APY¹	Dividend Rate³	APY¹
6 Month	$500	%	%
12 Month	$500	%	%
18 Month	$500	%	%
24 Month	$500	%	%
36 Month	$500	%	%

APY = Annual Percentage Yield. Rate and APY are accurate as of . Fees and other conditions may reduce earnings.
IRAs subject to maximum annual contribution limits.
Dividends on Share Certificates accrue daily and are considered earned as accrued. Dividends are paid the last day of the month except when partial withdrawals are made or early closeout occurs. Withdrawals of dividends, fees and other conditions may reduce the earnings. Penalties may apply for early withdrawal. Broadview Membership is required.
Once your account is established, you may make a one time request within the first six (6) months your account is open to exchange your 18 Month Bump Up Share Certificate for another certificate we offer that has a higher rate (excluding another 18 Month Bump Up Share Certificate). The new certificate must have a minimum term of 12 months, and all terms and conditions of the new certificate will apply.

APY = Annual Percentage Yield. Rates and APY are accurate as of for the 6-month and 18-month bump-up certificates. Fees and other conditions may reduce earnings. Penalties may apply for early withdrawal. Minimum to open and obtain APY on all certificates is $500, except for 12-month add-on certificates which is $100. Offer may be withdrawn at any time. Certificates require Credit Union Membership.
Not insured by the NCUA, Not deposits or other obligations of the credit union, Not guaranteed by the credit union, subject to investment risks, including possible loss of the principal invested.
Once your account is established, you may make a one time request within the first six (6) months your account is open to exchange your 18 Month Bump Up Share Certificate for another certificate we offer that has a higher rate (excluding another 18 Month Bump Up Share Certificate). The new certificate must have a minimum term of 12 months, and all terms and conditions of the new certificate will apply.
Your contribution may be tax deductible. Seek advice from a tax advisor for tax deductibility.

Certificate Accounts

Rates

Broadview Product Rates