Grow Your Savings with Confidence
Watch your money grow with Ellafi Federal Credit Union Certificates—safe, steady, and tailored to your goals. Whether you’re planning for a home, education, or retirement, our certificates help you invest in your future with peace of mind.
Choose from terms ranging 3 to 60 months, make a one-time deposit, and lock in a rate that works for you. Saving for tomorrow has never been simpler—or more empowering.
Current Certificate Rates
Minimum Balance $1,000.00. Rates effective 3/2/2026.
| Term | Dividend Rate | APY* |
|---|---|---|
| 3 Month | 2.72% | 2.75% |
| 6 Month | 3.44% | 3.50% |
| 6 Month Featured | 3.44% | 3.50% |
| 9 Month | 3.79% | 3.85% |
| 10 Month | 0.50% | 0.50% |
| 12 Month | 2.48% | 2.50% |
| 14 Month | 3.21% | 3.25% |
| 18 Month | 2.23% | 2.25% |
| 24 Month | 2.23% | 2.25% |
| 36 Month | 1.99% | 2.00% |
| 48 Month | 2.48% | 2.50% |
| 60 Month | 2.72% | 2.75% |
*APY = Annual Percentage Yield, rates effective 3/2/2026. We may impose a penalty if you withdraw funds from your account before the maturity date. If you are moving funds from an existing Ellafi FCU Certificate/IRA Certificate into a Certificate/IRA Certificates for a higher rate, penalties from the closure of the existing Certificate/IRA Certificate may apply. Penalty does not apply to those in the Required Minimum Distributions (RMD) age.
Click here for more current Certificate rates!
Ready to open a Credit Union Certificate?
By Phone
A team member would be happy to help you reach your savings goals. Give us a call at (860) 346-6614 to get started today!
In Person
Our branch teams are ready to give you in-person attention to help answer any questions and open your certificates. Stop by and see us at any location today!
Send us a Secure Message
Contact us safely and conveniently through our Secure Messaging feature. Simply log in to Online or Mobile Banking, click on "More", and select "Secure Message".
Personalize Your Savings Plan
Whether you have a short or long term certificate, you can earn dividends over a period of time that aligns with your brighter way forward. Terms are as short as 3 months and go to 60 months.
Certificates are a great hands-off way to save while your money earns a competitive rate. Your money is safe with Ellafi FCU because we are federally insured by the National Credit Union Administration (NCUA) up to $250,000.
Your interest rate is fixed when you open your account and won’t change until the Certificate reaches maturity (the end of your term).
Certificates - FAQs
What certificate accounts does Ellafi offer?
Ellafi offers certificate accounts with a variety of term lengths to help members earn higher dividend rates while saving for future goals. Members can choose a certificate term that best aligns with their savings timeline and financial objectives, providing a flexible way to grow savings over time.
What is an Ellafi certificate account?
An Ellafi certificate account is a savings option that allows you to earn a fixed dividend rate for a specific term. By keeping your funds on deposit until maturity, certificate accounts can provide predictable earnings and may offer higher returns compared to traditional savings accounts.
Who can open an Ellafi certificate account?
Any eligible Ellafi member can open a certificate account. Membership begins with a Share Savings Account and provides access to Ellafi’s full range of savings and lending products designed to support your financial goals.
Are Ellafi certificate accounts only for women?
No. Ellafi certificate accounts are available to all eligible members regardless of gender. Anyone who qualifies for membership can take advantage of Ellafi’s savings products, financial education resources, and member-focused services.
How do I open a certificate account with Ellafi?
You can open a certificate account after becoming an Ellafi member. Simply select the certificate term that fits your savings goals and complete the application online or with assistance from an Ellafi representative.
What do I need to open a certificate account?
To open a certificate account, you’ll need to qualify for Ellafi membership, provide identification and required personal information, and meet the minimum opening deposit requirements for your selected certificate term.
What are the benefits of an Ellafi certificate account?
Ellafi certificate accounts offer guaranteed dividend rates for the life of the certificate, making them a great option for members looking for predictable earnings, low-risk savings, and competitive returns. Certificate accounts can help you build savings while working toward your future financial goals.
How do I access and manage my certificate account?
You can monitor your certificate account through Ellafi’s online and mobile banking platforms. View balances, track maturity dates, and manage your other Ellafi accounts conveniently from one location.
What makes Ellafi certificate accounts different from traditional bank certificates?
Ellafi certificate accounts combine competitive dividend rates with the personalized service of a member-owned credit union. Members also have access to financial education and additional banking solutions designed to support long-term financial wellness and success.
Make an appointment with our team in the branches!
Do you have questions about credit union certificates or your account?
If you schedule an appointment online, you can choose the time and date that works best for your schedule to come into our Meriden or Middletown, CT branch. You can avoid waiting in the lobby when you need financial help.