Share Certificates
Share certificates are term accounts, which means you agree not to withdraw the money for a set period of time in exchange for a higher dividend rate. They require $500 to open and do not allow additions (except the Savin' Up Certificate, see below). Dividends compound monthly.

3 Month
Limit: $500 - $9,999
APY*: 0.10%

Limit: $10,000 - $24,999
APY*: 0.15%

Limit: $25,000 - Higher

APY*: 0.20%

6 Month
Limit: $500 - $9,999
APY*: 0.20%

Limit: $10,000 - $24,999

APY*: 0.25%

Limit: $25,000 - Higher

APY*: 0.30%

12 Month
Limit: $500 - $9,999
APY*: 0.30%

Limit: $10,000 - $24,999

APY*: 0.35%

Limit: $25,000 - Higher

APY*: 0.40%

18 Month
Limit: $500 - $9,999
APY*: 0.40%

Limit: $10,000 - $24,999

APY*: 0.45%

Limit: $25,000 - Higher

APY*: 0.50%

24 Month
Limit: $500 - $9,999
APY*: 0.50%

Limit: $10,000 - $24,999

APY*: 0.55%

Limit: $25,000 - Higher

APY*: 0.60%
 
30 Month
Limit: $500 - $9,999
APY*: 0.70%

Limit: $10,000 - $24,999

APY*: 0.75%

Limit: $25,000 - Higher

APY*: 0.80%
 
36 Month
Limit: $500 - $9,999
APY*: 0.85%

Limit: $10,000 - $24,999

APY*: 0.90%

Limit: $25,000 - Higher

APY*: 0.95%

Savin' Up Certificate
Minimum Balance: $100
APY*: 0.30%

This is a 12 month term Share Certificate which is offered to youth members ages 0-19. It only requires $100 to open and allows additions of $100 or greater. Dividends compound monthly.


*Annual Percentage Yield. Rates subject to change without notice. Rates current as of August 22, 2013. Early withdrawal penalty.