Certificates allow members to lock in a higher dividend rate for a set term length, on money that they do not need immediate access to. Safe and secure, terms range from 12 months, up to 36 months.

• $250 minimum amount to open
• Dividends compound and pay monthly
• Dividend checks may be mailed or transferred to a designated account
• Certificates can be used as collateral to secure a lower loan rate
• Insured through American Share Insurance