Husband and wife exercising.

Term Share Certificate

Do Less + Earn More

When you commit to setting money aside for a specific period of time, you can earn higher dividends with zero risk and no extra effort.
Apply now

Short term. Long term. Everything in between.

With terms as short as three months, even commitment phobes can take advantage of higher rates without feeling locked into a long-term relationship. And if you’re a planner by nature, your type A heart will fall in love with the opportunity to set your savings plan in place with term options up to five years.

Print/Email Product Details

The “set it and forget it” saving plan

Earning greater dividends is easier than ordering that triple-skim-iced-caramel latte you love. All you have to do is decide how much you want to set aside and how long you want your money to grow. Then you can sit back and watch your deposit get bigger thanks to guaranteed returns. When your term is up, your Certificate will automatically renew and keep earning competitive interest unless you decide you want to do something else with your money. It’s that easy!

  • Fixed-rate dividends
  • Terms from 3 months to 5 years
  • No monthly service charge
  • Flexible ways to receive the dividends you earn
  • IRA and Savings Builder options available
  • Dividends compounded daily ($50 minimum daily balance to earn dividends)
  • Funds available at maturity*

Why Addition Financial?

Product-Page_mobile-transaction
Earn More + Pay Less

Competitive rates on deposits, loans and credit cards.

Product-Page_money-growth
24/7 Convenience

Manage your account completely online.

Product-Page_discount-calculator
Keep It Local

Your money stays right here in the community.

Additional Features and Benefits

  • Refunded ATM Withdrawal Fees
  • P2P transfers through Bill Pay
  • SaveTopia Discount Program
  • Shared Branch Network
Man and woman having fun in a park.

Savings that adds up over time

Take advantage of competitive market rates that keep your funds liquid. Open a certificate today.
  1. 1
    Review eligibility

    Anyone who lives, works, worships, volunteers or attends school in 22 select counties may join. View our "Become a Member" page for full eligibility.

  2. 2
    Complete account application

    When you’re ready, complete the online application or visit your branch to apply in person.

  3. 3
    Start saving

    Use our online calculators to find out the right amount of money to start with.

 

Get your learn on

Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.

View Resources
*Penalties may be imposed for early withdrawal.