Certificate Accounts
Certificate Accounts
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 Loading...% 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.
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
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
Add-On Certificate
Allows Ongoing Deposits
$100 minimum to open
Fixed rate, no monthly fees
12-month term
Guaranteed returns
HSA Share Certificate
Earn higher dividends
6 to 36-month terms
Pay for qualified health care expenses later
Return is guaranteed
Traditional and Roth IRA Share Certificate
Guaranteed dividends
6 to 60-month terms
Potential tax benefits4
Boost retirement savings
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Contributions can be withdrawn anytime
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.
Certificate Fees and Qualified Distribution
| IRS Penalty | Broadview Penalty | |
|---|---|---|
| Early Withdrawal | Additional IRS penalties may apply. | Penalty for breaking the Certificate, based on amount withdrawn and the original term length; exceptions are made for withdrawals intended to cover a required minimum distribution. |
| Early Redemption | Additional IRS penalties may apply. | Distributions are usually subject to a Broadview penalty; exceptions are made in the case of the member having died |
| Item | IRS Penalty |
|---|---|
| IRA owner will be at least 59 ½ years old in the applicable tax year | None |
| IRA owner becomes disabled or has died | None |
| Funds used for qualified higher education expenses | None |
|
Funds are used for a “first-time” home purchase “first-time” home purchase means:
|
None |
| Funds are used for medical insurance premiums, provided the IRA owner has been receiving unemployment insurance payments for at least 12 weeks | None |
| Funds are used to pay the portion of unreimbursed medical expenses in excess of 7.5% of the owner’s adjusted gross income | None |
| A withdrawal program has been set up as a series of “Substantially Equal Periodic Payments” that are taken over the owner’s life, and are based on the owner’s life expectancy | None |
| Once this program is set up, it cannot be changed for five years | None |
| All other withdrawals | Generally, 10% of the withdrawal |
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APY = Annual Percentage Yield. Rates and APY are accurate as of 8/28/2026 8:36 PM for the 12-month certificate. 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. Membership eligibility required.
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Funds are federally insured by NCUA up to applicable legal limits.
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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.
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Your contribution may be tax deductible. Seek advice from a tax advisor for tax deductibility.
