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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
Contact our Member Care Specialists at 609-877-1911 or visit your local branch to open a Certificate now!
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
Contact our Member Care Specialists at 609-877-1911 or visit your local branch to open an IRACertificate now!
Helpful Resources
Special Offers
Account Type
Min Balance to Earn
APY*
Loan Type
Min/Max Borrowed
Max Repayment Term
APR* as low as
3 Month Certificate
Min Balance to Earn
$1,000
APY*
4.5%
3 Month Certificate
Min/Max Borrowed
$1,000
Max Repayment Term
APR*
4.5%
3 Month Certificate
Min/Max Borrowed
$1,000
Max Repayment Term
APR*
4.5%
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.
