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Share Certificates & IRAs

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For People with Plans

The future is bright and full of possibilities for you and your family. Save today and be ready for wherever life may lead you tomorrow. Whether it’s saving for college, saving for a new home or saving for retirement, investing in our risk-free Share Certificates and IRAs means your savings and more will be there for you when you need it.

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Share Certificates

Share Certificates are a great investment for members who don't need the liquidity of a regular savings or Money Market account but want a guaranteed higher return on their savings. The dividends paid depends on market conditions at the time your account is opened and the length of time you agree to leave your money on deposit.

  • Minimum deposit is $500
  • Eight terms to choose from: 3, 6, 18 months or 1, 2, 3, 4, 5 yrs
  • Dividends are compounded and credited monthly
  • Automatic renewal on the date of maturity
  • Penalty for early withdrawal
  • Contact a Member Services Representative for complete details

Savings Rates

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Payday Share Certificates

The Payday Share Certificate is ideal for members who are looking to invest and earn higher dividends but don’t have the $500 minimum requirement. This Share Certificate allows you to set up for a direct deposit or payroll deduction that will total $500 by maturity.

  • Two terms to choose from: 6 or 12 months
  • Min. opening deposit is $40 for 6 months and $20 for 12 months
  • Recurring deposit is the minimum amount to reach $500 at maturity
  • Dividends are compounded and credited at maturity
  • Penalty will be imposed for early withdrawal
  • Automatically renewed into a regular Share Certificate on the date of maturity
  • Contact a Member Services Representative for complete details

Savings Rates

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Individual Retirement Accounts (IRAs)

No matter what stage of life you’re in, an IRA can help with your financial planning and retirement. IRAs bring significant up-front tax advantages, and with less money taken out for taxes, the power of compound earnings is strengthened. You may choose between an IRA savings account or an IRA Share Certificate.

  • Minimum opening balance is $50 for savings and $500 for CDs
  • Dividends are compounded and credited quarterly for savings and monthly for CDs
  • Penalty for early IRA Share Certificate withdrawal
  • Earnings accumulate tax-deferred and contributions are tax deductible if you qualify
  • Contact a Member Services Representative for complete details

Savings Rates