Share Certificates

High dividend, low commitment saving.

Share certificates may be part of your long-term savings strategy, but with terms from 6 to 60 months, you can access funds in the short-term too.

StartUP Share Certificate

The StartUP Share Certificate is an easy way to start saving for the future, with a low $10 minimum balance, high 5.00% APY return, and the ability to add money to the certificate at any time up to $1,000. You can also redeem your PlusPoints to increase the APY up to 0.50%.

	Term	Minimum Balance	Maximum Balance	APY
StartUP Share Certificate	12 months	$10	$1,000	5.00%

OPEN

APY=Annual Percentage Yield. Routing #314977104. Dividends calculated on daily balance, paid monthly, and automatically transferred to Membership Savings account. Maximum balance=$1,000. Penalty may be imposed for early withdrawals. Limit one StartUP Share Certificate per member. Conditions and restrictions may apply. Subject to change without notice. Membership required. Federally insured by NCUA. Effective dates: 10.10.18 through 10.16.18.

Share Certificates

Share certificates can help you achieve the right balance between long- and short-term savings goals. You can also redeem your PlusPoints to increase the APY by up to 0.50%.

Term	Minimum Balance	APY
6 month	$1,000	0.95%
12 month	$1,000	2.02%
24 month	$1,000	2.22%
36 month	$500	2.43%
48 month	$500	2.63%
60 month	$500	2.94%

OPEN

APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. Accounts insured up to $500,000: Federally insured up to $250,000 by NCUA and $250,000 Excess Share Insurance from ESI, an independent insurance company. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 10.10.18 through 10.16.18.

Plus Advantage Certificates

Plus Advantage Certificates add the special feature of getting a one-time increase in the APY should rates increase (specific to certificate term and type). You can also redeem your PlusPoints to increase the APY by up to 0.50%.

Term	Minimum Balance	APY
12 month	$1,000	1.92%
24 month	$1,000	2.12%
36 month	$1,000	2.32%
48 month	$1,000	2.53%
60 month	$1,000	2.84%

OPEN

APY=Annual Percentage Yield. Routing #314977104. A penalty may be imposed for early withdrawals. Accounts insured up to $500,000: Federally insured up to $250,000 by NCUA and $250,000 Excess Share Insurance from ESI, an independent insurance company. To increase the rate during the term of Plus Advantage Certificates using PlusPoints, PlusPoints must again be available at each rate change. Conditions and restrictions may apply. Subject to change without notice. Membership required. Effective Dates: 10.10.18 through 10.16.18.