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A Share Certificate is a savings product that earns a fixed dividend rate for a specified term. Early withdrawals may be subject to penalties.

A Regular Certificate is a non-retirement savings product. An IRA Certificate is designed for retirement savings and is subject to IRS regulations and contribution limits. For more information about IRA Certificates and retirement account options, please visit our Retirement Center

Withdrawing funds before your certificate matures may result in an early withdrawal penalty. The penalty will reduce earnings and may also reduce the principal balance. Please contact us for additional information.

Yes. You can choose to have your certificate dividends or interest deposited into another eligible account, such as your Prime Savings or checking account. Simply designate the account where you would like the dividends or interest payments to be transferred.

Your promotional certificate account will automatically renew into the nearest regular certificate term at the current standard rate available on the maturity date, unless you have designated another deposit account or certificate account for the proceeds.  

Yes. At maturity, you can choose to have the certificate proceeds deposited into another eligible deposit account, such as your checking or savings account. Simply designate the desired account to receive the funds when the certificate matures.

Regular certificates automatically renew into the same term unless the member selects another option.