You're a smart saver.  You want to earn competitive dividends and you want to do it without risk.  Our certificates allow you to choose the term while we guarantee the rate.  We offer three investment options for your convenience: Regular, IRA or Education Savings certificates.

Our Certificate Accounts feature:

• Competitive dividend rates
• Flexible terms from 6-months to 5-years
• Low minimum opening deposit
  • $100 - members 23 and under
  • $1,000 - members over 23
• No monthly fees
• Dividends compounded monthly
• Regular, IRA or Education Savings options
• 24-hour account information through BranchLine or ExpressLine
• Funds federally insured by the National Credit Union Administration

Bump-Up Rate Certificates
Perfect for a fluctuating market.  If rates go up, you can increase or "bump-up" to a higher rate once during the term of the certificate.

•  18-month term
• One rate "bump up" per term
• Maturity date remains unchanged

Add-On Certificates
Open your certificate and make additional deposits during the term.  This is an excellent way to increase your earnings.

• 30-month term
• Add-on at any time during the term
• $100 minimum add-on for members 23 and under
• $1,000 minimum add-on for members over 23

Open a certificate account today!

For more information, please call a member service representative at (888) 858-6878, ext. 6231.

Minimum amount to open account and earn dividends is $1,000 for regular cerfifcates; $500 for IRA certificatess; $100 for members 23 and under.  Fees may reduce earnings and a penalty may be imposed for early withdrawals.