Certificates

Overview

Share Certificate

Lock in a competitive rate and watch your savings grow! Certificates are perfect for members who want to earn a higher dividend and can commit to setting money aside for a designated time frame. With terms that range from a couple of months to a couple of years, a Share Certificate is a great way to save for near-term goals like buying a car, starting a family, and more.

Term lengthMinimum DepositAPYDividend RateEarly withdrawal penalty
90 days$10000.15%0.15%90 day dividend
6 months$10000.20%0.20%90 day dividend
1 year$5000.25%0.25%180 day dividend
2 years$5000.50%0.50%180 day dividend
3 years$5000.75%0.75%180 day dividend
4 years$5001.00%1.00%180 day dividend
5 years$5001.50%1.49%180 day dividend

IRA and Coverdell Education Savings Certificates

We also offer share certificates for traditional IRAs, Roth IRAs, and Coverdell Education Savings Accounts (ESA). Certificates are a great addition to your retirement savings plan, because they help you earn higher dividends with no risk and let you choose your time commitment. Early withdrawal penalty applies. This penalty is in addition to any penalties and withholding requirements that may apply, in accordance with IRA/ESA regulations and IRS law.

Term LengthMinimum Deposit for IRAMinimum Deposit for ESAAPYDividend RateEarly Withdrawal Penalty
1 Year$1000$5000.25%0.25%180 Day Dividend
2 Years$1000$5000.50%0.50%180 Day Dividend
3 Years$1000$5000.75%0.75%180 Day Dividend
4 Years$1000$5001.00%1.00%180 Day Dividend
5 Years$1000$5001.50%1.49%180 Day Dividend

Investment & Retirement Planning

Do you have a financial plan for your future? We can help.

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More Ways to Save

An IRA Savings Account is another great way to save.

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Disclosures

APY stands for Annual Percentage Yield. Dividends on all certificates are calculated daily and compounded quarterly and at maturity. Early withdrawal penalties may apply.

Earn a great return, guaranteed!

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