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  Certificate Accounts are available to fit your personal financial needs.  Minimum deposit requirements are low, making even small investments earn the highest possible dividends.  Certificate accounts offer a higher earning potential for members.  A minimum balance of $1,000 is required to open with terms from 6 months to 2 years.  Dividends are paid at maturity for a 6 month Certificate.  One-year, two-year, three-year, and five-year Certificates have dividends paid at the end of each month.  There is a substantial penalty for early withdrawal.

 

Term

APR

APY

Minimum to Open

6 months

0.18% 

0.18%

$1,000.00

1 Year

0.20%

0.20%

$1,000.00

2 Years

0.25% 

0.25%

$1,000.00

3 Years

0.35% 
0.35% 
$1,000.00

5 Years

0.65% 
0.65% 
$1,000.00
   
Effective date: 06/26/2012
rates are subject to change without notice
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