Share Certificates

If you like to receive higher returns on your investments, our Share Certificates (also referred to as “CD’s” or “Certificate of Deposit”) are just what you’re looking for. Open a Share Certificate with just $1,000.00 and be on the road to saving! We offer a variety of certificate terms to suit your needs. Find the one that fits you.

IRA Share Certificates

Similar to our Share Certificates, IRA Share Certificates are for members with “earned income,” who are 18 years of age and not yet 70½ years of age. You can open an IRA Share Certificate with $1,000.00. Another beneficial feature with this Share Certificate is that additional deposits are allowed. Be sure to check out our rates and terms.

Regular and IRA Share Certificates

Rates are accurate as of Thursday, November 26

Certificate Term Minimum Balance Dividend Rate APY*
3-Month $1,000 0.10% 0.10%
6-Month $1,000 0.15% 0.15%
1-Year $1,000 0.20% 0.20%
2-Year $1,000 0.30% 0.30%
3-Year $1,000 0.40% 0.40%
4-Year $1,000 0.50% 0.50%

* APY = Annual Percentage Yield.
Minimum balance to earn dividends on share certificates is $1,000. Ask for more information regarding fees and terms on savings, checking and certificate accounts. A substantial penalty is assessed on funds withdrawn prior to maturity on all certificate accounts. All savings, checking and certificate rates are variable and subject to change by the Board of Directors. Fees or other conditions could reduce the earnings on accounts.