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 3 months, up to 120 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 up to $250,000 per account 

Step Up Your Savings with Our New Short-Term, Step-Up Guaranteed Rate CD

Looking for a great CD option? With our eight-month Step-Up Guaranteed Rate CD, you can make your money grow even faster with a great 1.45% APY.*

The Step-Up Guaranteed Rate CD provides a rate of 0.90% for the first four months and then increases to 2.00% for the last four months, providing a combined certificate of deposit annual percentage yield of 1.45%.

This CD is one of the best eight-month CD yields currently available and is higher than the national average 24-month CD rate of 1.27%. New money is required for this CD with a minimum opening deposit of $10,000.**

Take advantage of this great CD. Call or visit a branch today to open your Step-Up Guaranteed Rate CD!

*APY= Annual Percentage Yield. **This promotion applies to new money only. Once the certificate of deposit has been established no additional funds may be added. These accounts will have an increasing interest rate as set at the time of purchase and will increase according to the terms of the CD (every four months). These accounts can be redeemed without penalty at each four month interval, provided that it is redeemed within 10 calendar days. At maturity, the certificate of deposit will transfer to a standard certificate of deposit with a term of 12 months at the then current non-promotional fixed rate available for this term.