CDs & IRAs

 

Share Certificates

Share Certificates offer higher yields and are available with terms ranging from 6-36 months.

Dividends are quoted as annual rates and are compounded daily. Dividends can be added back to your Share Certificate, paid monthly by check or deposited directly into your Share Savings or Share Draft Account.

Terms are specific and early withdrawals are subject penalty. Minimum deposits vary according to term lengths and dividends rates can vary based on market fluctuation.

Individual Retirement Accounts

Individual Retirement Accounts (IRAs) are a smart way to save for the future even if you have a 401K, other pension plans, or retirement investments. As an individual wage earner, you may contribute annually into an IRA. Depending on your earnings, you may be able to deduct a portion of your contribution from the current year's tax return.

All IRA dividends are tax deferred, even if they are not tax deductible. IRA funds are insured up to $250,000 over and above the NCUA insurance covering other funds on deposit at the credit union.

The credit union offers Traditional IRAs, Education IRAs, and Roth IRAs.

 

 Member Loyalty Program

When your Share or IRA Certificate renews, you will automatically become part of our Member Loyalty Program. When you allow your Share or IRA Certificate to roll over with no changes, you will receive a higher interest rate, just for being loyal credit union member.

 

 

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