Invest now to meet your future goals or obligations, and lock in a great rate.
Share Certificates
> Terms from 90 days to 60 months
> Certificates can be used as collateral for share secured loans
> Dividends can be added to certificate balance, transferred to another account, or mailed to you
| Term |
$500-$9,999.99
|
$10,000-$49,999.99
|
$50,000-$99,999.99
|
$100,000+
|
|
|
Dividend Rate
|
APY*
|
Dividend
Rate
|
APY*
|
Dividend
Rate
|
APY*
|
Dividend
Rate
|
APY*
|
| 36 Month Special |
3.94%
|
4.00%
|
3.94%
|
4.00%
|
3.94%
|
4.00%
|
3.94%
|
4.00%
|
|
Share or IRA Certificate Dividend Rates & Yields
with 0.50% Bonus APY**
|
| 3 Month |
1.99%
|
2.00%
|
2.23%
|
2.25%
|
2.48%
|
2.50%
|
2.48%
|
2.50%
|
| 6 Month |
2.13%
|
2.15%
|
2.38%
|
2.40%
|
2.62%
|
2.65%
|
2.62%
|
2.65%
|
| 12 Month |
2.33%
|
2.35%
|
2.58%
|
2.60%
|
2.82%
|
2.85%
|
2.82%
|
2.85%
|
| 24 Month |
2.58%
|
2.60%
|
2.82%
|
2.85%
|
3.06%
|
3.10%
|
3.06%
|
3.10%
|
| 48 Month |
2.82%
|
2.85%
|
3.06%
|
3.10%
|
3.31%
|
3.35%
|
3.31%
|
3.35%
|
| 60 Month |
3.21%
|
3.25%
|
3.45%
|
3.50%
|
3.70%
|
3.75%
|
3.70%
|
3.75%
|
|
Share or IRA Certificate Dividend Rates & Yields without Bonus
|
|
3 Month
|
1.49%
|
1.50%
|
1.74%
|
1.75%
|
1.99%
|
2.00%
|
1.99%
|
2.00%
|
|
6 Month
|
1.64%
|
1.65%
|
1.89%
|
1.90%
|
2.13%
|
2.15%
|
2.13%
|
2.15%
|
| 12 Month |
1.84%
|
1.85%
|
2.08%
|
2.10%
|
2.33%
|
2.35%
|
2.33%
|
2.35%
|
| 24 Month |
2.08%
|
2.10%
|
2.33%
|
2.35%
|
2.58%
|
2.61%
|
2.58%
|
2.61%
|
| 48 Month |
2.33%
|
2.35%
|
2.58%
|
2.61%
|
2.82%
|
2.85%
|
2.82%
|
2.85%
|
| 60 Month |
2.72%
|
2.75%
|
2.97%
|
3.00%
|
3.21%
|
3.25%
|
3.21%
|
3.25%
|
| *APY is the Annual Percentage Yield, effective May 1, 2008 and is subject to change at anytime. The APY's for certificates assume that the dividends (interest) are calculated daily and compounded quarterly to the certificate. Minimum balance of $500 to open account. Dividend rates are anticipated. Fees may reduce earnings on these accounts. There is an early withdrawal penalty of a 90-day forfeiture of dividends on most Certificate Terms. **Bonus dividend rates are applicable to certificates when the member also has a Money Builders Checking balance of $2500 or more, or a Money Market Savings balance of $2500 or more. |
Service charges
|
