Certificates

Chartway share certificates let you sock away money at great rates for the term that works best for you.

Flex-Terms are as short as six months and go to 71 months. Rates are higher than traditional savings account rates. Want to watch your nest egg grow even more? Choose automatic renewal and we’ll keep the savings going!

Share Certificates

Share certificates are a great hands-off way to save while your money earns a rate that’s among the most competitive in the market. Your money is safe in a Chartway certificate.

Flex-Term

Use Flex-Term to match your certificate maturity date to the date when you want to use your funds. Avoid early withdrawal penalties and have your money available when you need it. Terms range from 6 to 71 months.

IRA Certificates

Open a certificate as an IRA and take advantage of tax-deferred savings. Unlike some other IRA investments, there are no administrative fees, so all your money stays yours!

Did you know?

Chartway's history goes back to 1959 and the founding of NorVA N.A.S. Federal Credit Union. The Chartway name was adopted in 1996.

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Today’s Rates

Certificate Rates

  •  Effective 03-29-2017
Certificate Term Dividend Rate APY1 Minimum Balance Alert Me
60-71 Month 2.05% 2.07% $25,000 and over Receive a notification when this rate changes
1.70% 1.71% $10,000 - $24,999.99 Receive a notification when this rate changes
1.55% 1.56% $500 - $9.999.99 Receive a notification when this rate changes
1.55% 1.56% $100 - $499.99* Receive a notification when this rate changes
48-59 Month 1.70% 1.71% $25,000 and over Receive a notification when this rate changes
1.60% 1.61% $10,000 - $24,999.99 Receive a notification when this rate changes
1.45% 1.46% $500 - $9,999.99 Receive a notification when this rate changes
1.45% 1.46% $100 - $499.99* Receive a notification when this rate changes
36-47 Month 1.65% 1.66% $25,000 and over Receive a notification when this rate changes
1.55% 1.56% $10,000 - $24,999.99 Receive a notification when this rate changes
1.40% 1.41% $500 - $9,999.99 Receive a notification when this rate changes
1.40% 1.41% $100 - $499.99* Receive a notification when this rate changes
24-35 Month 1.40% 1.41% $25,000 and over Receive a notification when this rate changes
1.25% 1.26% $10,000 - $24,999.99 Receive a notification when this rate changes
1.10% 1.10% $500 - $9,999.99 Receive a notification when this rate changes
1.10% 1.10% $100 - $499.99* Receive a notification when this rate changes
18-23 Month 1.20% 1.21% $25,000 and over Receive a notification when this rate changes
1.15% 1.15% $10,000 - $24,999.99 Receive a notification when this rate changes
1.00% 1.00% $500 - $9,999.99 Receive a notification when this rate changes
1.00% 1.00% $100 - $499.99* Receive a notification when this rate changes
12-17 Month 1.10% 1.10% $25,000 and over Receive a notification when this rate changes
1.00% 1.00% $10,000 - $24,999.99 Receive a notification when this rate changes
0.85% 0.85% $500 - $9,999.99 Receive a notification when this rate changes
0.85% 0.85% $100 - $499.99* Receive a notification when this rate changes
6-11 Month 0.70% 0.70% $10,000 and over Receive a notification when this rate changes
0.55% 0.55% $500 - $9.999.99 Receive a notification when this rate changes
0.55% 0.55% $100 - $499.99* Receive a notification when this rate changes
12 Month No Penalty
(Share Certificate Only)
0.45% 0.45% $50,000 and over Receive a notification when this rate changes
0.40% 0.40% $10,000 - $49,999.99 Receive a notification when this rate changes
0.35% 0.35% $500 - $9,999.99 Receive a notification when this rate changes
0.30% 0.30% $100 - $499.99* Receive a notification when this rate changes
The Fees and Charges that will be assessed to the account are reflected in the Disclosure of Fees and Charges. Early Withdrawals are subject to an early withdrawal penalty. Flex Certificates will automatically renew at the lower standard certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. Dividends are compounded and credited quarterly. Rates subject to change. Please call (757) 552-1000 or (800) 678-8765 to obtain current rate information.

* Available for Youth Certificates only. Not available for Individual Retirement Accounts. Youth Certificate Accounts are for members under the age of 18. Additional deposits can be made to a youth certificate account to encourage savings. Once the owner turns 19, the additional deposit feature is not available.

Legacy certificates purchased prior to August 1, 2013 will receive a .25% increase over the current rate excluding the $90,000 and above tiers.
  • 1The Annual Percentage Yield (APY) assumes dividends will remain on deposit until Maturity


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