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: 07/20/2010 | ||
| $500 minimum | ||
| Term | Annual Percentage Yield | Dividend Rate |
| 3 months | 0.35% | 0.35% |
| 6 months | 0.50% | 0.50% |
| 12 months | 0.95% | 0.95% |
| 18 months | 1.45% | 1.44% |
| 24 months | 1.60% | 1.59% |
| 30 months | 1.85% | 1.84% |
| 36 months | 2.00% | 1.98% |
| 48 months | 2.70% | 2.67% |
| 60 months | 3.10% | 3.06% |
| Jumbo Certificate Accounts | ||
| Effective Date: 07/20/2010 | ||
| $50,000.00 minimum | ||
| Term | Annual Percentage Yield | Dividend Rate |
| 12 months | 1.10% | 1.10% |
| 24 months | 1.75% | 1.74% |
| 36 months | 2.35% | 2.33% |
| 48 months | 2.85% | 2.82% |
| 60 months | 3.25% | 3.21% |
| Kid's & Teen Club Term Share Certificates | ||
| Effective Date: 07/20/2010 | ||
| $100 minimum | ||
| Term | Annual Percentage Yield | Dividend Rate |
| 12 months | 0.95% | 0.95% |
| 24 months | 1.60% | 1.59% |
| 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% | |||
