To earn the highest dividends for your investment dollar, Share Certificates are offered with four different terms:

• 9 month 
• 12 month 
• 18 month 
• 24 month

There is no minimum amount requirement to establish a Share Certificate.

Share Certificate Options:

* Add To - You may make one deposit, during the term of the certificate, of up to 50% of the initial deposit or most recent renewal.

* Bump Rate - You may make one request to have the certificate rate increased to the current rate.

* Penalty Free - You may redeem the certificate before maturity without penalty.

Dividends on Share Certificates are calculated on the daily balance, compounded and paid quarterly. The quarterly dividend can be added back to the Certificate principle or posted to your Share Savings Account.

There is a penalty for early withdrawal if redeemed before the maturity date. The early withdrawal penalty will not apply if there is a 'Penalty Free' option on the certificate or if the Primary Certificate Owner is deceased or determined incompetent by a court.

We also match local promotional rates. Please contact the credit union for more information.