Certificates
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 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.