Earn up to 4.20% APY1 with a Certificate Account.

Like a Certificate of Deposit (CD), Certificate Accounts (also known as Term Savings Accounts) give you high-yield savings rates for a fixed term.


Predictable, guaranteed, and there when you need it.

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Top Certificate APYs today.

7-Month Certificate

4.20 % APY1

  • NEW MONEY ONLY
  • Minimum balance to open and earn APY (4.12% dividend rate): $100

11-Month Certificate

4.15 % APY1

  • NEW MONEY ONLY
  • Minimum balance to open and earn APY (3.45% dividend rate): $100

10-Month Certificate

4.10 % APY1

  • Minimum balance to open and earn APY (3.69% dividend rate): $100
  • Deposit $100,000 and earn an additional 0.10% APY

Why open a Certificate Account?

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Higher APY you can lock in

Earn a higher dividend rate than you would with a liquid account. Just like a CD, your rate is guaranteed for the full term.

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Easy online setup

Open accounts in minutes, manage your term maturities in one easy platform.

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Federally insured

Funds are federally insured up to $250,000.

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Safe from market volatility

Earn predictable returns, free from market risks.

Ready to open an account?

Open an account online in less than 5 minutes.

As with any credit union, membership is required in order to take advantage of credit union products and services. Membership is free and included in the online application. We’ll guide you through this every step of the way.

You’ll need: A valid ID, your Social Security number, and your bank account information to fund your account during the application.

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Trusted by financial experts.

Quorum is consistently selected as one of the top credit unions in America.

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Lock in your earnings with a Certificate Account.

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Certificate Account FAQs

A Few Things You Should Know

1Annual percentage yield (APY) and rates are in effect as of 07/09/26. Certificate Accounts are fixed-rate accounts. Dividends are compounded and paid monthly. A minimum deposit of $100 is required to open and earn the APY. A penalty will be imposed if funds are withdrawn prior to maturity date. Fees could reduce earnings. Deposits of $100,000 or more earn an additional 0.10% APY to all Certificate Accounts except for the 7-, 11-, 48- and 60-Month Certificate Accounts. Certificate Accounts will automatically roll over into the same term at the current rate at maturity with the exception of the 7- and 11-Month Certificate Account. These will automatically renew into a 12-Month Certificate Account at the current rate.

The 7-Month and 11-Month Certificate Accounts are for NEW MONEY ONLY. New money is funds from outside Quorum or funds deposited at Quorum within the last 14 days. Existing Quorum funds held for 14 days or more do not qualify. At maturity, the 7-Month and 11-Month Certificate Accounts will automatically renew into a 12-Month Certificate Account at the current rate.