Certificates

Goal Savers Certificates

A Goal Savers Certificate is a smart choice for funds you want to secure at a higher yield for a defined period of time. Unlike most Certificate products, EdiFi allows you to add money during your term for even greater savings.

  • 6 to 60-month terms
  • Available for IRA Certificates
  • Jumbo Certificates earn an additional .10%
  • $1,000 minimum opening balance

IRA Certificates

Invest in your retirement with confidence through EdiFi’s IRA Certificates. Designed to provide stability and growth, our IRA Certificates offer a smart way to build your nest egg for the future.

  • Competitive rates for long-term growth
  • Flexible terms to suit your retirement timeline
  • Insured up to the maximum allowed by law
  • Convenient online management and tracking of your investments

Rates

Loan Type
Min/Max Borrowed
Max Repayment Term
APR* as low as
Account Type
Min Balance to Earn
APY*
6 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.07%
6 Month Certificate
Min Balance to Earn
$1,000
APY*
4.07%
12 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.07%
12 Month Certificate
Min Balance to Earn
$1,000
APY*
4.07%
18 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.18%
18 Month Certificate
Min Balance to Earn
$1,000
APY*
4.18%
24 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.82%
24 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
30 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.82%
30 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
36 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.82%
36 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
48 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.82%
48 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
60 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.82%
60 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
Jumbo 6 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.18%
Jumbo 6 Month Certificate
Min Balance to Earn
$50,000
APY*
4.18%
Jumbo 12 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.18%
Jumbo 12 Month Certificate
Min Balance to Earn
$50,000
APY*
4.18%
Jumbo 18 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.28%
Jumbo 18 Month Certificate
Min Balance to Earn
$50,000
APY*
4.28%
Jumbo 24 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.92%
Jumbo 24 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
Jumbo 30 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.92%
Jumbo 30 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
Jumbo 36 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.92%
Jumbo 36 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
Jumbo 48 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.92%
Jumbo 48 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
Jumbo 60 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.92%
Jumbo 60 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
IRA 6 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.07%
IRA 6 Month Certificate
Min Balance to Earn
$1,000
APY*
4.07%
IRA 12 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.07%
IRA 12 Month Certificate
Min Balance to Earn
$1,000
APY*
4.07%
IRA 18 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.18%
IRA 18 Month Certificate
Min Balance to Earn
$1,000
APY*
4.18%
IRA 24 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.82%
IRA 24 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
IRA 30 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.82%
IRA 30 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
IRA 36 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.82%
IRA 36 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
IRA 48 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.82%
IRA 48 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
IRA 60 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.82%
IRA 60 Month Certificate
Min Balance to Earn
$1,000
APY*
3.82%
IRA Jumbo 6 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.18%
IRA Jumbo 6 Month Certificate
Min Balance to Earn
$50,000
APY*
4.18%
IRA Jumbo 12 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.18%
IRA Jumbo 12 Month Certificate
Min Balance to Earn
$50,000
APY*
4.18%
IRA Jumbo 18 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
4.28%
IRA Jumbo 18 Month Certificate
Min Balance to Earn
$50,000
APY*
4.28%
IRA Jumbo 24 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.92%
IRA Jumbo 24 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
IRA Jumbo 30 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.92%
IRA Jumbo 30 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
IRA Jumbo 36 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.92%
IRA Jumbo 36 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
IRA Jumbo 48 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.92%
IRA Jumbo 48 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
IRA Jumbo 60 Month Certificate
Min/Max Borrowed
Max Repayment Term
APR* as low as
3.92%
IRA Jumbo 60 Month Certificate
Min Balance to Earn
$50,000
APY*
3.92%
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Disclosures

*APY = Annual Percentage Yield.