Certificates typically provide higher yields on funds invested for terms of 3 months to 48 months. Check on our Share Certificate Rate for current dividend yielding information.

Certificate terms are 3, 6, 9, 12, 15, 18, 20, 24, 36 or 48 months.
Minimum balance to open is $1,000.
Maturity Options are:

	Automatic renewal of Certificate.
	Transfer balance to Share Account.
	Check for amount of balance sent to member.

Membership is required to take advantage of all products and services. Please refer to Membership Eligibility Requirements to see if you are eligible.

IRA CERTIFICATES

All of our regular CD terms are available on IRA accounts. No CD penalty if age over 59½.

Individual Retirement Accounts (IRAs) help you to save now for added financial security in your retirement years. Check out our IRA Dividend Rates now!

Certificate terms are 12, 24, 36, 48 or 60 months.
Minimum balance to open an IRA Certificate Account is $500.
Maturity Options are:

	Automatic renewal of Certificate.
	Transfer balance to Share Account.
	Check for amount of balance sent to member.

IRA Types

Traditional — This account allows you to tax deduct your contributions and your earnings accumulate tax deferred. Taxes are due when you take the money out, and withdrawals must start no later than age 70½. Please be sure to consult your tax advisor to determine which IRA best suits your needs.

Roth IRA — The primary benefit of this IRA is that the interest earned in this account is not taxable if certain conditions are met. To benefit from the tax-free interest, the member must be age 59½ or the distribution must be made due to death, disability, or the purchase of a first home. Another way to benefit from the tax-free interest is to leave the money in the Roth IRA for at least five years. Be sure to consult a tax advisor to determine which IRA best suits your needs.

Statement IRA Savings — This IRA account only requires a $25 minimum balance to open. Use this account to save the minimum $500 balance to open an IRA Certificate account. All IRA rules and regulations apply to this Savings account.