Certificates/IRAs⁽¹⁾

Put your money to work

Regular Certificates

Flexible terms from 3 months to 5 years let you pick the maturity date. Only $500 minimum deposit with competitive yields and dividends credited monthly or at term end.

"Bump-Up" Certificate

A great way to lock in increasing rates! Open a 60-month "Bump-Up" certificate with $2,500, and when rates go up, simply deposit $1,000 or more and you can increase the rate on your entire balance for the remaining term!

"Easy Access" Certificate

Need penalty-free access to your Certificate? Open an "Easy Access" 11 month Certificate that gives you up to three (3) penalty-free withdrawals. $2,500 minimum deposit. Click here for the current yield.

Callable Certificate

A premium rate certificate that can be called back by the Credit Union anytime after the first year. Term of four (4) years offers a premium yield. It can be called back by the Credit Union anytime after the first year the Certificate is open. $5,000 minimum.

Your future starts now

Traditional & ROTH IRAs⁽¹⁾

• Rollover funds from another financial institution.
• Flexible Regular Certificate terms from 3 months to 5 years.
• Only $500 minimum deposit with competitive yields and dividends credited monthly or at term end.
• Or use convenient payroll deduction or automatic savings to build your IRA with a Variable IRA Savings Account.

Coverdell Education Savings Account

Any adult – parents, grandparents, godparents or friends – can put money in a Coverdell Education Savings Account, up to $2,000 away each year (up to the tax filing deadline of April 15^th) per child (income eligibility requirements apply). In addition, all earnings in the account accumulate on a tax-deferred basis and can be withdrawn from the account tax-free if used to pay for qualified elementary and secondary education, as well as qualified college education expenses.  Contributions to a Coverdell Education Savings Account are not tax deductible. Check the current rates.

(1) Consult your tax advisor or IRS Publication 590 to determine what type of IRA is right for you. Publication 590 can be found at your local post office or online at the Internal Revenue Service Website.