Investment & Retirement Planning
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Earn up to .75% APY* when you open your certificate with a minimum deposit of $1,000. You may add-on to this certificate as many times as you would like. Any additional deposits must be a minimum of $25 and the total balance may not exceed $15,000. Limit one per person. Make your money work for you!
An add-on certificate allows you to deposit additional funds to an existing certificate while earning the same interest rate. This will give you peace of mind and help you reach your financial goals faster!
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|Term length||Minimum Deposit||APY||Dividend Rate||Early withdrawal penalty|
|90 days||$1000||0.05%||0.05%||90 day dividend|
|6 months||$1000||0.10%||0.10%||90 day dividend|
|1 year||$500||0.15%||0.15%||180 day dividend|
|2 years||$500||0.25%||0.25%||180 day dividend|
|3 years||$500||0.30%||0.30%||180 day dividend|
|4 years||$500||0.40%||0.40%||180 day dividend|
|5 years||$500||0.50%||0.50%||180 day dividend|
We also offer share certificates for traditional IRAs, Roth IRAs, and Coverdell Education Savings Accounts (ESA). Certificates are a great addition to your retirement savings plan, because they help you earn higher dividends with no risk and let you choose your time commitment. Early withdrawal penalty applies. This penalty is in addition to any penalties and withholding requirements that may apply, in accordance with IRA/ESA regulations and IRS law.
|Term Length||Minimum Deposit for IRA||Minimum Deposit for ESA||APY||Dividend Rate||Early Withdrawal Penalty|
|1 Year||$1000||$500||0.15%||0.15%||180 Day Dividend|
|2 Years||$1000||$500||0.25%||0.25%||180 Day Dividend|
|3 Years||$1000||$500||0.30%||0.30%||180 Day Dividend|
|4 Years||$1000||$500||0.40%||0.40%||180 Day Dividend|
|5 Years||$1000||$500||0.50%||0.50%||180 Day Dividend|