Certificates (CDs / IRAs)

  

Share Certificates

Issued in minimum amounts of $250.00. Maturities vary. Dividends paid quarterly. Early withdrawal penalties may apply.


 

Individual Retirement Account (IRA)

No minimum balance. for IRA Share accounts. Minimum balance of $250.00. for IRA certificates. Terms of 12-36 months. Three types of IRA's available- Traditional, Roth, Educational. Dividends paid quarterly.


Certificate (CDs/IRAs) (Current as of Jan 29, 2010)

DescriptionTermDividend RateAPY (Annual Percentage Yield)
Share Certificate (CD)1 months0.50% 0.50%
3 months.75%.75%
6 months.95%.95%
1.501.51% - Now through February 26th!
12 months1.00%1.00%
24 months1.25%1.26%
36 months1.35%1.36%
48 months1.45%1.46%
60 months1.50%1.51%
Share Certificate (IRA)12 months1.00%1.00%
24 months1.25%1.26%
36 months1.35%1.36%
Share Savings IRA (No minimum balance)N/A0.20%0.20%

Minimum deposit for IRA Certificate Accounts - $250.00
Rates are fixed for the term of the Account.
A Penalty may be imposed for early withdrawal.
Members over 55 years of age will have .25% added to the above rates. New certificates greater than $50,000 will receive an additional .25%.