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: 03/09/2010 | ||
| $500 minimum | ||
| Term | Annual Percentage Yield | Dividend Rate |
| 3 months | 0.35% | 0.35% |
| 6 months | 0.80% | 0.80% |
| 12 months | 1.25% | 1.24% |
| 18 months | 1.55% | 1.54% |
| 24 months | 1.95% | 1.94% |
| 30 months | 2.15% | 2.13% |
| 36 months | 2.55% | 2.53% |
| 48 months | 2.55% | 2.53% |
| 60 months | 2.80% | 2.77% |
| Jumbo Certificate Accounts | ||
| Effective Date: 03/09/2010 | ||
| $50,000.00 minimum | ||
| Term | Annual Percentage Yield | Dividend Rate |
| 12 months | 1.40% | 1.39% |
| 24 months | 2.10% | 2.08% |
| 36 months | 2.70% | 2.67% |
| 48 months | 2.70% | 2.67% |
| 60 months | 2.95% | 2.92% |
| Kid's & Teen Club Term Share Certificates | ||
| Effective Date: 03/09/2010 | ||
| $100 minimum | ||
| Term | Annual Percentage Yield | Dividend Rate |
| 12 months | 1.25% | 1.24% |
| 24 months | 1.95% | 1.94% |
| Smart Saver - Youth Term Share Certificates | |||
| Effective Date: 10/14/2008 | |||
| Age 0 - 12 $500 minimum Age 13 - 18 $1,000 minimum | |||
| Term | Stated Rate | Bonus Rate | Annual Percentage Yield |
| 12 months | 3.00% | Plus Age | 3.03% |
| Ex: If child's age is 8, then (3.00% + 0.80%) Rate = 3.80% Ex: If child's age is 15, then (3.00% + 1.50%) Rate = 4.50% | |||
