Certificates are available to assist you in meeting your short and long term savings needs. Atomic offers certificates with terms ranging from 3 to 60 months with a minimum balance of $1,000. Dividends are paid monthly on all certificates. All deposits are Federally insured by the NCUA up to $250,000 and insured by excess share insurance up to another $250,000, making your deposits insured for a total of $500,000. To view our current certificate terms and rates click here.