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Certificates

Are available for your longer term savings needs

These Certificates yield dividends quarterly at different rates based upon the term and amount of the investment. Minimum $500.00 opening balance

  • Certificates of $25,000.00 or more feature optional monthly dividend payout
  • Early withdrawal penalties
    • If your certificate has an original maturity of one year or less: The penalty we may impose will equal three months dividends on the amount withdrawn
      subject to penalty.
    • If your certificate has an original maturity of more than one year but not more than five: The penalty we may impose will equal six months dividends on
      the amount withdrawn subject to penalty.
    • If your certificate has an original maturity of more than five years, unless otherwise disclosed: The penalty we may impose will equal 24 months
      dividends on the amount withdrawn subject to penalty.
    • 10-Year certificate, 3 year penalty for early withdrawal, and no penalty up to 10% in years 8, 9 & 10, and 3 year penalty on the amount over 10%.
  • Dividends are automatically reinvested (unless otherwise requested).

Click here for current rates