Share Certificates & IRAs
| Description | Share Certificate | Super Share Certificate | IRA Share Certificate - Traditional, Roth/Education |
|---|---|---|---|
| Best for: | Higher locked-in dividend rates for a period that best suits your needs with the safety of a federally insured account | Higher locked-in dividend rates for a period that best suits your needs with the safety of a federally insured account | Higher locked-in dividend rates for a period that best suits your retirement or education plan with the safety of a federally insured account |
| Initial Deposit: | $1,000 | $5,000 | $500 |
| Earns Dividends: | Quarterly | Quarterly | Quarterly |
| Available Terms: | 6 months to 60 months | 12 months | 13 months to 60 months |
| Bump-Up Option: | No | Enjoy the features of a Share Certificate AND the protection of a one-time bump up to a higher rate should our certificate rates increase during the term of your certificate. Higher rate applicable for the remaining term only | No |
| Withdrawal Penalty: | Yes | Enjoy the flexibility to make a one-time withdrawal (without penalty) of up to 50% of the principal balance during the term of your certificate | Yes |
| Add-on Deposit: | No | Enjoy the flexibility to make a one-time additional deposit (without penalty) during the term of your certificate to replace funds withdrawn under the one-time withdrawal option | No |
| E-Statements: | FREE | FREE | FREE |
| Mobile Banking: | FREE | FREE | FREE |
| Telephone Banking: | FREE | FREE | FREE |
| Online Banking: | FREE | FREE | FREE |