Opening the door to your first home.
This certificate is designed to help you save up for the down payment on your first home. You can add money to this certificate at anytime.
First Time Homebuyers' Certificate Rates
Rates effective March 1, 2021; subject to change.
| Minimum Balance | Dividend Rate | APY* |
| $1,000 – $25,000 | 2.97 | 3.00 |
| $25,000 & over | 0.45 | 0.45 |
First Time Homebuyers’ Certificate Terms & Conditions (PDF)
*APY=Annual Percentage Yield based on having a checking account with direct deposit. Balances over $25,000 will be at the 24-month certificate rate, See Consumer Rate sheet. The member may renew the certificate at the same rate and terms one time, will not renew automatically. Penalty may be imposed for early withdrawal of certificate, unless mortgage is with Altra. $1,000 to open certificate, Member may add funds at any time. Only available where Altra does mortgages. See Altra.org/Mortgage for details. Federally insured by NCUA. Equal Housing Lender.
