• 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

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Term Certificate Rates effective as of March 1, 2023:

*Annual Percentage Yield