Certificates

certificatesCertificate 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 5 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

0.20% 

0.20%

$1,000

1 Year

0.30%

0.30%

$1,000

2 Years

0.45%

0.45%

$1,000

3 Years

0.60%
0.60%
$1,000

5 Years

0.80%
0.80%
$1,000

EFFECTIVE DATE: 01/21/2014 – rates are subject to change without notice.

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