• Earn guaranteed income with a fixed rate on your long-term savings!
• Maturities of from 6 months to 7 years
• Dividends compound daily and are paid:
  • at maturity
  • or quarterly or annually for regular income more frequently
  • you choose when you open the certificate!
• Minimum balance is $1,000
• There are penalties for early withdrawal:
  • For maturities less than one year: you will forfeit an amount equal to the lesser of 90 days of dividends or dividends earned since issuance or renewals of the certificate.
  • For maturities of one year or more: you will forfeit an amount equal to the lesser of 180 days of dividends or dividends earned since issuance or renewals of the certificate.
  • There is no penalty for early withdrawal upon the death of the primary owner

Term Certificate Rates effective as of December 1, 2022:
6 Month Rate: 1.00% / APY*: 1.00%
12 Month Rate: 4.00% / APY*: 4.08%
24 Month Rate: 4.00% / APY*: 4.08%
36 Month Rate: 4.25% / APY*: 4.34%
48 Month Rate: 4.25% / APY*: 4.34%
60 Month Rate: 4.50% / APY*: 4.60%
72 Month Rate: 4.50% / APY*: 4.60%
84 Month Rate: 4.50% / APY*: 4.60%
*Annual Percentage Yield