Certificates

Current Rates

If you are looking for safety of principal and higher earnings than what is traditionally paid on passbook or share savings, our Share Certificates may be the perfect place to deposit your hard earned money.

You can open a Share Certificate for as little as $500 and choose from terms ranging from twelve to sixty months.

Share Certificates are also available for your IRA and Required Minimum Distributions (RMD) may be withdrawn without penalty.

We may impose a penalty if you withdraw from your account before the maturity date. The penalty amount for share certificate accounts may be up to one year of dividends. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. Disclosures