Term Share Certificates
Maximize the return on your hard earned dollars by investing them for a specific period of time. Term Share Certificates offer high yields based on current market rates and terms ranging from 3 to 60 months. Penalties apply for early withdrawal.
We also offer special Term Share Certificates for our Kid’s and Teen Club members.
| Term Share Certificate Accounts | ||
| Effective Date: 02/07/2012 | ||
| $500 minimum | ||
| Term | Annual Percentage Yield | Dividend Rate |
| 12 months | 0.30% | 0.30% |
| 18 months | 0.50% | 0.50% |
| 24 months | 0.70% | 0.70% |
| 30 months | 0.90% | 0.90% |
| 36 months | 1.00% | 1.00% |
| 48 months | 1.30% | 1.30% |
| 60 months | 1.75% | 1.74% |
| Jumbo Certificate Accounts | ||
| Effective Date: 02/07/2012 | ||
| $50,000 minimum | ||
| Term | Annual Percentage Yield | Dividend Rate |
| 12 months | 0.30% | 0.30% |
| 24 months | 0.70% | 0.70% |
| 36 months | 1.00% | 1.00% |
| 48 months | 1.30% | 1.30% |
| 60 months | 1.75% | 1.74% |
| Kid's & Teen Club Term Share Certificates | ||
| Effective Date: 02/07/2012 | ||
| $100 minimum | ||
| Term | Annual Percentage Yield | Dividend Rate |
| 12 months | 0.30% | 0.30% |
| 24 months | 0.70% | 0.70% |
| Smart Saver - Youth Term Share Certificates | |||
| Effective Date: 01/31/2012 | |||
| Age 0 - 12 $500 minimum Age 13 - 18 $1,000 minimum $50,000 maximum per youth | |||
| Term | Stated Rate | Bonus Rate | Annual Percentage Yield |
| 12 months | 1.00% | Plus Age | 1.00% |
| Ex: If child's age is 8, then (1.00% + 0.80%) Rate = 1.80% Ex: If child's age is 15, then (1.00% + 1.50%) Rate = 2.50% | |||
