Go short or long term: We offer both. If you want to earn more with your money than the rates on your savings account, but don’t want the risks of investing, a share certificate may be the savings solution you’re looking for. A minimum of $250 is required to open a certificate. Our certificates: Are available for terms ranging from 3 months to 5 years—the longer your term, the higher your rate may be Compound and pay dividends at maturity or monthly, depending on the term Can be used to fund a Traditional or Roth IRA Automatically renew at maturity for the same term at the current prevailing rate Before opening a certificate, you will want to make sure you can do without the money for the duration of the term you’ve selected. You should also consider whether rates are likely to rise or fall in the future before you make your decision. You can open a certificate by visiting a branch near you. Certificate Rates Certificate & IRA Rates Effective Date: Tuesday, January 24th, 2017 Minimum certificate deposit of $250 required. Account TypeRateAPYDividends PaidPenalties 3 Month Cert / IRA 0.05% 0.05% At Maturity 90 days 6 Month Cert / IRA 0.10% 0.10% At Maturity 90 days 12 Month Cert / IRA 0.15% 0.15% Monthly 180 days 18 Month Cert / IRA 0.20% 0.20% Monthly 180 days 24 Month Cert / IRA 0.25% 0.25% Monthly 180 days 36 Month Cert / IRA 0.30% 0.30% Monthly 180 days 48 Month Cert / IRA 0.40% 0.40% Monthly 180 days 60 Month Cert / IRA 0.60% 0.60% Monthly 180 days Variable IRA 0.50% 0.50% Quarterly APY = Annual Percentage YieldNo minimum variable IRA balance required to open. Variable IRA dividends are calculated using the daily balance, paid and compounded quarterly. Variable IRA dividend rate is subject to change at any time.