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Certificates

Great Rates

A Credit Union Share Certificate gives you the opportunity to invest your money with minimum risk and a guaranteed return. You can earn a higher rate than you would on a savings account and still enjoy the security of a low-risk investment tool.

We offer certificates with terms ranging from six months to two years.

View our current certificate rates here.

  • Early Withdrawal Penalty - We may impose a penalty if you withdraw from your account before the maturity date.
  • Amount of Penalty - For Share Certificate accounts, the amount of early withdrawal penalty for your account is 90 days' dividends, including principal.

IRA Accounts

Plan for your retirement with an Individual Retirement Account. A variety of options are available to meet your financial needs, and deposits may be tax deductible.

WHY OPEN AN IRA? Here are some good reasons to consider having an IRA:

  • LONGEVITY - retired Americans are living longer, healthier lives. This certainly has resulted in the need to stretch or add to your retirement funds.
  • SAVE ON CURRENT TAX BILL - If you are eligible, you may be able to deduct your contributions to a Traditional IRA on your current tax form and still reap tax-deferred earnings until withdrawal at retirement.
  • TAX FREE EARNINGS - Roth IRAs generate tax free earnings when withdrawn, as long as the account has been maintained for 5 years or you meet certain other withdrawal conditions.
  • DIVERSIFICATION - IRAs can help to diversify your retirement portfolio.

Traditional or Roth IRA contributions for 2016 are $5,500. If you are 50 years of age or over, the maximum is $6,500.

We can help you to secure a more comfortable retirement by assisting in your consideration of which type of IRA may be best for you.

View our current IRA rates here.

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