Share Term Certificates

Share Term Certificates

Earn a higher-yield on your deposits with a Share Term Certificate.  When you place your money in a certificate, it is on deposit for a specific period of time ranging from 6 to 60 months.  The money must remain on deposit for the agreed term in order to earn the stated dividend.

A Share Term Certificate requires a $1,000 minimum opening deposit.  A Youth Share Term Certificate requires a $500 minimum opening deposit.*

*Minimum balance of $1,000 ($500 for Youth) or more required to earn dividends.  Dividends calculated on an average daily balance and paid monthly. Statement Fee Per Mailed Statement is $1.00 (e-Statements are FREE).

Early withdrawal penalties may reduce earnings. We are not required to pay out your certificate before maturity. If we do permit an early withdrawal, you will be charged a SUBSTANTIAL PENALTY based on the original maturity and the amount withdrawn as follows: 1) DEPOSITS WITH ORIGINAL MATURITY OF ONE YEAR OR LESS – Forfeiture of the lesser of the following two amounts: dividends since the date of issuance or renewal, or 90 days dividends on the amount withdrawn, whether earned or not, 2) DEPOSITS WITH ORIGINAL MATURITY OF MORE THAN ONE YEAR – Forfeiture of the lesser of the following two amounts: dividends since the date of issuance or renewal, or 180 days dividends on the amount withdrawn, whether earned or not. We will pay the certificate without penalty if the owner passes away or is determined to be legally incompetent.

Establish a strong savings foundation and watch your money grow!

IRA Term Certificates

An IRA (Individual Retirement Account) Term Certificate is another alternative to prepare for your long term financial future. This option offers a higher-yield along with the advantages of an IRA Account.

When you place your money in a certificate, it is on deposit for a specific period of time ranging from 6 to 48 months. The money must remain on deposit for the agreed term in order to earn the stated dividend.

An IRA Term Certificate requires a $1,000 minimum opening deposit.*

*Minimum balance of $1,000 or more required to earn dividends.  Dividends calculated on an average daily balance and paid monthly. Statement Fee Per Mailed Statement is $1.00 (e-Statements are FREE).

Early withdrawal penalties may reduce earnings. We are not required to pay out your certificate before maturity. If we do permit an early withdrawal, you will be charged a SUBSTANTIAL PENALTY based on the original maturity and the amount withdrawn as follows: 1) DEPOSITS WITH ORIGINAL MATURITY OF ONE YEAR OR LESS – Forfeiture of the lesser of the following two amounts: dividends since the date of issuance or renewal, or 90 days dividends on the amount withdrawn, whether earned or not, 2) DEPOSITS WITH ORIGINAL MATURITY OF MORE THAN ONE YEAR – Forfeiture of the lesser of the following two amounts: dividends since the date of issuance or renewal, or 180 days dividends on the amount withdrawn, whether earned or not. We will pay the certificate without penalty if the owner passes away or is determined to be legally incompetent.

Invest in your future with this risk-free, money-growing alternative!

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