Share Certificates are time accounts that earn higher interest for investing long-term. Choose your own investment period ranging from 3 months to 60 months.

Requirements:

• Main Savings Account
• $250 minimum deposit

Benefits:

• Earns higher interest than traditional savings accounts
• No annual fees
• No monthly service charge
• Quarterly statements
• Quarterly dividends
• Ten day grace period at maturity
• Early withdrawal penalties may apply

Other Savings Options:

• Savings account
Christmas Club
IRA

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*APY = Annual Percentage Yield. Minimum deposit required of $250.00 with a maximum deposit of $250,000.00. Rates effective as of 08/03/2018 and subject to change without notice. Early withdrawal penalties may apply. Fees may reduce earnings. At maturity account is subject to automatic renewal at the rate then in effect for that term. IRA options available. Membership rules and restrictions apply.

Certificate Specials (Last Modified: Aug 03, 2018)

TermDividend RateAPY
11 month special2.10%2.12%
22 month special1.80%1.81%

*11 month certificate special - Membership rules and restrictions apply. APY = Annual Percentage Yield. Minimum deposit required of $5,000.00 with a maximum deposit of $250,000.00. For existing CPM certificate of deposits, a minimum of $5,000.00 new money is required for account opening. Rates effective as of 08/03/2018 and subject to change without notice. Early withdrawal penalties may apply. Fees may reduce earnings. At maturity account is subject to automatic renewal at the rate then in effect for that term. IRA options available.

*22 month certificate special - APY = Annual Percentage Yield. Minimum deposit required of $250.00 with a maximum deposit of $250,000.00. Rates effective as of 08/03/2018 and subject to change without notice. Early withdrawal penalties may apply. Fees may reduce earnings. At maturity account is subject to automatic renewal at the rate then in effect for that term. IRA options available. Membership rules and restrictions apply.

Share Certificates (CDs/IRAs) (Last Modified: Aug 03, 2018)

DescriptionTermDividend RateAPY
1-5 months0.50%0.50%
6-11 months0.80%0.80%
12-23 months1.00%1.00%
24-35 months1.30%1.31%
36-47 months1.50%1.51%
48-59 months1.90%1.91%
60+ months2.50%2.52%
Share Certificates (IRA)1-5 months0.60%0.60%
6-11 months0.90%0.90%
12-23 months1.10%1.10%
24-35 months1.40%1.41%
36-47 months1.60%1.61%
48-59 months2.00%2.02%
60+ months2.60%2.63%
Kickstart IRA** 12 months1.10%1.10%
Savings IRA
(No minimum balance)
N/A0.50%0.50%