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Share Certificates

Invest your money in a solid account that holds no surprises — only fixed-rate, competitive dividends! A share certificate provides you with the ease of mind knowing that your money is growing and will be right there waiting for you at the end of the term.

Terms range from six months to four years and can even automatically renew at maturity, so you keep racking up risk-free earnings.

Summary
  • Fixed rates, higher than regular savings
    • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 6 months to 4 years)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty*
  • Automatic renewal at maturity unless otherwise specified
  • Free online banking
  • Free e-Statements
  • Free mobile banking
  • Free 24-hour Voice Response
  • $1,000 minimum deposit to open and must have $25 deposit in Member Savings account

*Effective March 1, 2016, if you withdraw funds from a share certificate prior to the maturity date, the early withdrawal penalty will be: less than one year = 91 days' dividends; 1-3 years = 182 days' dividends; and greater than 3 years = 365 days' dividends. The time frame is based on the original maturity date at the time of purchase. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal.

Don’t wait — there’s no time like the present to get started