Get More for Your Money

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 5.00% APY* with Active Checking† 11-month term.

Looking for a shorter term? Our 11-month certificate term offers a rate as high as 4.75%APY*.

Open and maintain a $1,000 minimum deposit

Select from standard or an IRA certificate type

Chart your savings growth


Share certificate term Standard Rate Standard APY* Rate with Active Checking† Annual percentage Yield (APY)*
60 Months2.960%3.003.203%3.25%
48 Months 2.960%3.003.203%3.25%
36 Months 2.960%3.003.203%3.25%
30 Months²3.687%3.753.9285%4.00%
24 Months2.472%2.502.716%2.75%
20 Months¹4.410%4.504.650%4.75%
18 Months2.227%2.252.472%2.50%
12 Months3.687%2.002.227%2.25%
11 Months¹4.650%4.754.889%5.00%
6 Months0.995%1.001.243%1.25%
3 Months0.499%0.500.747%0.75%

Please keep in mind

  • Only Regular Share Certificates can be opened online; IRA, Business3, 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.
*APY=Annual Percentage Yield. Deposit rates and annual percentage yields (APY) are effective 10/01/2023 unless otherwise noted and subject to change at any time. 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 Rates only eligible on a 11-month or 20-month certificate created after 02/23/24.

² Rates only eligible on an 30-month certificate created after 04/27/2023.

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.