Make the most out of your savings by investing your money in one of our certificates. They are a safe way to invest your money for the future. With terms ranging from 6 months to 48 months and highly competitive rates, you can get the best return on your money. Click on "Rates" below to see our current certificate rates. You must make a deposit of at least $1,000 when investing in a certificate.
Check out the "RATES" page for any promotional offers.
DIVIDENDS:
For 6 month certificates, dividends are paid monthly and do not compound. You can either have the monthly dividends added to another credit union account or receive a check. We do make an exception for retirees and allow dividends to compound if a request is made when the account is opened.
For all other certificates dividends are paid quarterly. You have the option of dividends compounding, being paid by check, or transferred to another credit union account.
RENEWAL:
Certificates can automatically renew at maturity or you can request that the balance be transferred to another credit union account at maturity. You will have 10 calendar days from the date of maturity to redeem or withdraw your share certificate. An unredeemed certificate will automatically rollover, for the same term at the new rate, on its maturity date.
EARLY WITHDRAWAL PENALTY:
There is a penalty for early withdrawal. If the account has a term of one year or less, there is a 90 day dividend penalty. If the account has a term of more than 1 year, there is a 180 day dividend penalty. The penalty may reduce the principal.
