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 March 27, 2024
| Description of Account | Dividend Rate | APY* |
| Share Certificate Special: | ||
| ($1,000 Min Deposit, $50,000 Max Deposit) | ||
| 12 Month - Pay monthly into Regular Share Account | 4.00% | 4.07% |
| Share Certificates ($1,000 Min Deposit) | ||
| 12 Month - Pay monthly into Regular Share Account | 1.63% | 1.64% |
| 24 Month - Pay monthly into Regular Share Account | 1.78% | 1.79% |
| 36 Month - Pay monthly into Regular Share Account | 1.83% |
1.84% |
| Share Certificates ($5,000 Min deposit ) | ||
| 6 Month - Pay at maturity into Regular Share Account | 1.58% |
1.59% |
| 12 Month - Pay monthly into Regular Share Account | 1.68% | 1.69% |
| 24 Month - Pay monthly into Regular Share Account | 1.83% | 1.84% |
| 36 Month - Pay monthly into Regular Share Account | 1.88% | 1.89% |
| Share Certificates ($25,000 Min Deposit ) | ||
| 6 Month - Pay at maturity into Regular Share Account | 1.62% | 1.63% |
| 12 Month - Pay monthly into Regular Share Account | 1.72% | 1.73% |
| 24 Month - Pay monthly into Regular Share Account | 1.87% | 1.88% |
| 36 Month - Pay monthly into Regular Share Account | 1.92% |
1.93% |
| Share Certificates ($50,000 Min Deposit) | ||
| 6 Month - Pay at maturity into Regular Share Account | 1.65% | 1.66% |
| 12 Month - Pay monthly into Regular Share Account | 1.75% | 1.76% |
| 24 Month - Pay monthly into Regular Share Account | 1.90% | 1.91% |
| 36 Month - Pay monthly into Regular Share Account | 1.95% | 1.96% |
- 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
- Rates subject to change without notice
- Contact an employee for information about other applicable fees and terms
