Share Certificates

It’s good to have savings goals. You may need to save short-term for a vacation or home repairs, or long-term for college expenses. Make time work for you with a share certificate.

HOW IT WORKS

Like any savings account, a share certificate will earn dividends for you. The difference, though, is that share certificates pay their dividends based on their term length – the longer you lock in your savings, the greater your rate of return. Are you looking at a short-term like a few months? No problem. Years down the road? We’ve got you covered. You pick a timeframe for your savings goal, we help you get there.

AVAILABLE TERMS

Fixed Rate

• 6 month

• 12 month

• 18month

• 24 month

• 36 month

 

DEPOSITS

• Minimum opening amount: $1000

• Our High Rise Certificate (12 mos for $25,000 or more) gives you the option to increase the rate once during the term of the share certificate

• Federally insured by the NCUA up to $250,000

 

DIVIDENDS

• Dividends are compounded quarterly

• Dividends can be posted directly to your share certificate or credited to a different account

 

 

INDIVIDUAL RETIREMENT ACCOUNTS (IRA)

Need a safe investment for retirement savings? Invest in your future with an IRA share certificate. Our 12, 24, and 36 month terms are also available as IRA options.

 

LOAN COLLATERAL

Did you know you can leverage your assets as security for a loan? Using your funds as collateral can help maintain your deposit while balancing lower interest rates. Securing a loan

against your share certificate is easy. Ask to speak to a Loan Specialist today.

 

CURRENT RATES

 

 

APY is Annual Percentage Yield. Published rates and APYs are subject to change. A penalty will be imposed for early withdrawal. Tax-deferred Certificates may include additional penalties.
Rates are fixed for term and interest is compounded quarterly. The stated APY assumes principal and interest remain on deposit until maturity. Fees and other conditions could reduce earnings on the account.