A safe and secure investment is in your future
- Low opening balances
- Flexible terms ranging from 6 to 60 months
- No risk of losing your principal balance
- Earn a guaranteed rate for the term of your certificate
- Your money is always accessible by calling us.
- Federally insured by the NCUA (it's like the FDIC but for credit unions)
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APY stands for Annual Percentage Yield and applies to deposits. A higher APY means you'll earn more interest on your deposit account.
APR stands for Annual Percentage Rate and applies to loans. A lower APR will save you money on the amount of interest you pay over the life of your loan.
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This savings strategy may allow you to maximize your earnings while still having access to your money on a regular basis. For example, instead of opening a $5000 certificate for 5 years you would open five certificates for $1,000 each for the following terms:
- 12 months
- 24 months
- 36 months
- 48 months
- 60 months
As each certificate matures you can use the funds you need or roll them in to a new certificate.
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Transparency is important to us. Our fine print is actually the same size as anything else we talk about. For all the legal speak please review the current Rate and Fee Schedule. Here are the highlights.
- Your certificate automatically renews for another term when it matures
- After maturity, you have 7 days in which to make a deposit or withdraw funds in the account
- A penalty may be imposed if you withdraw the funds before the maturity date
- Early withdrawal penalties
- 6 - 12 month certificates - dividends earned, up to 90 days
- 13 - 60 month certificates - dividends earned, up to 180 days
- See the Rate & Fee Schedule for early withdrawal exceptions
Review the Rate and Fee Schedule for all the details