Three Ways to Grow Your Savings

Not everyone saves the same way. We get that. So, we built options that fit where you are  today, and where you're headed.

  • Certificate

    For savers who want a great rate and zero complexity.

    You pick your term, lock in a rate, and let your money do the work. No surprises. No managing. Just growth you can count on.

    • Terms: 3 to 60 months.
    • APY: As high as 3.600%
    • Minimum deposit: $500

  • Bump-Up Certificate

    For savers who want a safety net if rates rise. If rates go up during your term, you're not stuck. Request a bump and your rate goes up too. Once for a 24-month term. Twice for a 48-month term.

    • Terms: 24 or 48 months
    • APY: As high as 3.500%
    • Minimum deposit: $500

  • Jumbo Certificate

    For savers with more to put to work. If you've got $75,000 or more sitting in savings, it deserves a bigger return. Jumbo Certificates reward larger deposits with higher rates,  because more in should mean more out.

    • Terms: 6 to 60 months
    • APY: As high as 3.550%
    • Minimum deposit: $75,000

Certificate Rates

Rates valid as of April 10, 2026
Account Term Dividend Rate APY Minimum Opening Deposit

Account

3-month Certificate

Term

3 Months

Dividend Rate

3.542%

APY

3.600%

Minimum Opening Deposit

$500

Account

6-month Certificate

Term

6 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

9-month Certificate

Term

9 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

12-month Certificate

Term

12 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

18-month Certificate

Term

18 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

24-month Certificate

Term

24 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

30-month Certificate

Term

30 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

36-month Certificate

Term

36 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

48-month Certificate

Term

48 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

60-month Certificate

Term

60 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Account

6-month Jumbo Certificate

Term

6 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

Account

9-month Jumbo Certificate

Term

9 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

Account

12-month Jumbo Certificate

Term

12 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

24-month Jumbo Certificate

Term

24 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

30-month Jumbo Certificate

Term

30 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

36-month Jumbo Certificate

Term

36 Months

Dividend Rate

3.397%

APY

3.450%

Minimum Opening Deposit

$75,000+

Account

48-month Jumbo Certificate

Term

48 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

Account

60-month Jumbo Certificate

Term

60 Months

Dividend Rate

3.494%

APY

3.550%

Minimum Opening Deposit

$75,000+

Account

24-month Bump-Up Certificate

Term

24 Months

Dividend Rate

3.348%

APY

3.400%

Minimum Opening Deposit

$500

Account

48-month Bump-Up Certificate

Term

48 Months

Dividend Rate

3.445%

APY

3.500%

Minimum Opening Deposit

$500

Call 1-877-TRUMARK for further details

Run Your Numbers First

Curious what your savings could actually look like at the end of a term? Use our Certificate Calculator to see exactly what you'd earn before you commit.

Certificate FAQs

  • No complicated process. No hoops to jump through.

    • Your rate is locked in the day you open.
    • Dividends compound & post to your account monthly.
    • When your term ends, your certificate automatically renews or choose what happens next.
    • You get a 5-business-day grace period after maturity to make changes, penalty-free.

  • No. Once it's open, the deposit amount is set for the term. You'd open a new certificate for additional funds.

  • Call 1-877-TRUMARK or stop by a branch. Rate increases apply to the remaining term. They're not retroactive and won't extend your maturity date. 24-month terms get one bump. 48-month terms get two.

  • A certificate locks in your rate for a set term. This is great if you don't need the money right away and want guaranteed returns. A Money Market keeps your money more accessible, but at a variable rate that can change. Not sure which fits? We're happy to help you figure it out.

  • Standard and Bump-Up Certificates start at $500. Jumbo Certificates require a minimum of $75,000.

  • Renew into a new term, transfer to your Trumark account, or request a check by mail. You have a 5-business-day grace period to make a change, switch terms, move your funds, or request a check all without penalty.

  • A certificate lets you deposit money for a set term and earn a fixed rate that's higher than a standard savings account. Your rate is locked in at opening, dividends compound monthly, and you collect your earnings at the end of the term.

  • Standard Certificates run from 3- to 60-months. Bump-Up Certificates come in 24- and 48-month terms. Jumbo Certificates range from 6- to 60-months.

  • Yes. Your deposits are federally insured up to $250,000 by the NCUA, backed by the full faith and credit of the U.S. government.

  • Sometimes plans change and you need your money sooner than expected. You can withdraw early, just know that an early withdrawal penalty may apply.

    • Terms of 12 months or less: 90-day dividend penalty.
    • Terms of 13 months or more: 180-day dividend penalty.

    We'll never surprise you with the fine print. It's all right here, upfront.

    Certificate Disclosure