Certificates Designed to Help Your Money Grow
Rates as high as
3.75
% APY*
with Active Checking†
Certificates that boost your savings plan
Looking for a surge of strong savings? Here are several ways to maximize your savings.
Check out our special rates:
Earn up to 3.75% APY* on our 11-, 20- or 30-month terms with Active Checking†
Lock in a great rate, short or long term
Open and maintain a $1,000 minimum deposit
Select from standard or an IRA certificate type
Flex Your Savings
Grow your money with a great rate and still access it when life happens. Our 12 month Flex Certificate lets you make deposits throughout the term and withdraw funds when you need them, so your savings stay both strong and flexible. Learn more: monterra.org/flex12.Chart Your Savings Growth
| Share Certificate Term | Standard Rate | Standard APY* | Rate with Active Checking† | APY* with Active Checking† |
|---|---|---|---|---|
| 60 Month | 2.960% | 3.00% | 3.203% | 3.25% |
| 48 Month | 2.960% | 3.00% | 3.203% | 3.25% |
| 36 Month | 2.960% | 3.00% | 3.203% | 3.25% |
| 30 Month¹ | 3.445% | 3.50% | 3.687% | 3.75% |
| 24 Month | 2.472% | 2.50% | 2.716% | 2.75% |
| 20 Month¹ | 3.445% | 3.50% | 3.687% | 3.75% |
| 18 Month | 2.227% | 2.25% | 2.472% | 2.50% |
| Flex Certificate | 3.203% | 3.25% | not applicable | not applicable |
| 12 Month | 1.982% | 2.00% | 2.227% | 2.25% |
| 11 Month¹ | 3.445% | 3.50% | 3.687% | 3.75% |
| 6 Month | 0.995% | 1.00% | 1.243% | 1.25% |
| 3 Month | 0.499% | 0.50% | 0.747% | 0.75% |
Please keep in mind
-
Only Regular Share Certificates can be opened online; IRA, Business2, Youth, and Coverdell ESA Share Certificates must be opened by visiting one of our branch locations.
- Online funding limit from a non-Monterra account is $500.
Get Started
*APY=Annual Percentage Yield. Effective as of 7/09/26. When a Certificate is opened, the rate is fixed for the stated term. Dividends are compounded and credited monthly. Early withdrawal penalty applies to Certificates. Offer is subject to change without notice. Conditions and restrictions apply.
† The advertised certificate dividend rate can be earned for members who have an "Active Checking" account. Active Checking account is defined as a checking account that has at least one (1) direct deposit or ACH deposit (excluding telephone, teller or dividend posting transactions) during the monthly Statement Cycle (statement cycle period is 12:00 am on the first day of each month and ends at 11:59 pm on the last day of each month). For a Statement Cycle during which the Active Checking account deposit requirement is not met, the certificate will earn the base rate that was set at the account opening or rollover date.
Both the certificate and the checking account must be held by the primary account owner to be eligible for the certificate dividend rate increase. The checking account must be open and in Good Standing, as defined in the Monterra Account Agreement, to earn the certificate dividend rate increase for each month. This offer cannot be combined with any other certificate rate increase offer and not all certificates may be eligible. Offer is subject to change or removal at any time without notice. Penalties may be imposed for early withdrawal and fees may reduce earnings. Please ask a Monterra representative for complete offer details, conditions, and restrictions.
¹ Certificate Specials are terms and rates applicable to the 11-, 20- and 30-month certificates. Rate effective on new or rollover certificates effective 7/09/26.
² Business Certificates are not eligible to earn a special, bump, or dividend rate increase. IRA, ROTH, Youth, Add-On and Registry certificate types ARE NOT available options for Business account types.
† The advertised certificate dividend rate can be earned for members who have an "Active Checking" account. Active Checking account is defined as a checking account that has at least one (1) direct deposit or ACH deposit (excluding telephone, teller or dividend posting transactions) during the monthly Statement Cycle (statement cycle period is 12:00 am on the first day of each month and ends at 11:59 pm on the last day of each month). For a Statement Cycle during which the Active Checking account deposit requirement is not met, the certificate will earn the base rate that was set at the account opening or rollover date.
Both the certificate and the checking account must be held by the primary account owner to be eligible for the certificate dividend rate increase. The checking account must be open and in Good Standing, as defined in the Monterra Account Agreement, to earn the certificate dividend rate increase for each month. This offer cannot be combined with any other certificate rate increase offer and not all certificates may be eligible. Offer is subject to change or removal at any time without notice. Penalties may be imposed for early withdrawal and fees may reduce earnings. Please ask a Monterra representative for complete offer details, conditions, and restrictions.
¹ Certificate Specials are terms and rates applicable to the 11-, 20- and 30-month certificates. Rate effective on new or rollover certificates effective 7/09/26.
² Business Certificates are not eligible to earn a special, bump, or dividend rate increase. IRA, ROTH, Youth, Add-On and Registry certificate types ARE NOT available options for Business account types.