Share Certificates
Rates are guaranteed for the life of the certificate.
- Six month Share Certificate: dividends are paid upon maturity of the certificate, penalty for early withdrawal - 30 days loss of interest.
- Twelve month Share Certificates: dividends are paid monthly and are deposited into the Regular Share account, penalty for early withdrawal - 30 days loss of interest.
- Twenty-four and Thirty-six month Share Certificates: dividends are paid monthly and are deposited into the Regular Share account, penalty for early withdrawal - 90 days loss of interest.
Share Certificates Rates and Yields - Effective January 8, 2020
| Description of Account | Dividend Rate | APY* |
| Share Certificates ($1,000 Min Deposit) | ||
| 12 Month - Pay monthly into Regular Share Account | 0.45% | 0.45% |
| 24 Month - Pay monthly into Regular Share Account | 0.75% | 0.75% |
| 36 Month - Pay monthly into Regular Share Account | 1.00% | 1.00% |
| Share Certificates ($5,000 Min deposit ) | ||
| 6 Month - Pay at maturity into Regular Share Account | 0.40% |
0.40% |
| 12 Month - Pay monthly into Regular Share Account | 0.65% | 0.65% |
| 24 Month - Pay monthly into Regular Share Account | 0.95% | 0.95% |
| 36 Month - Pay monthly into Regular Share Account | 1.20% | 1.21% |
| Share Certificates ($25,000 Min Deposit ) | ||
| 6 Month - Pay at maturity into Regular Share Account | 0.50% | 0.50% |
| 12 Month - Pay monthly into Regular Share Account | 0.80% | 0.80% |
| 24 Month - Pay monthly into Regular Share Account | 1.10% | 1.11% |
| 36 Month - Pay monthly into Regular Share Account | 1.35% |
1.36% |
| Share Certificates ($50,000 Min Deposit) | ||
| 6 Month - Pay at maturity into Regular Share Account | 0.60% | 0.60% |
| 12 Month - Pay monthly into Regular Share Account | 0.95% | 0.95% |
| 24 Month - Pay monthly into Regular Share Account | 1.25% | 1.26% |
| 36 Month - Pay monthly into Regular Share Account | 1.50% | 1.51% |
- apy = annual percentage yield
- fees or other conditions may reduce earnings
- dividend rate & apy offered for term of certificate
- apy may be lower if you withdraw funds before maturity
- a dividend penalty may be imposed for early withdrawal
- dividends will be deposited to regular shares
- contact an employee for information about other applicable fees and terms
