• 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 January 1, 2022:
6 Month Rate: 0.45% / APY*: 0.45%
12 Month Rate: 0.55% / APY*: 0.55%
24 Month Rate: 0.55% / APY*: 0.55%
36 Month Rate: 0.70% / APY*: 0.70%
48 Month Rate: 0.70% / APY*: 0.70%
60 Month Rate: 0.90% / APY*: 0.90%
72 Month Rate: 0.90% / APY*: 0.90%
84 Month Rate: 0.90% / APY*: 0.90%
*Annual Percentage Yield