Certificates

†Smart Saver Term Share Certificate Balance Computation Method: Balance Computation Method: Daily Balance. Dividend Accrual: Dividends earned from day of deposit to day of withdrawal. Dividend accrual on non-cash deposits will begin on the day of deposit. Fees: No service fees. Early Withdrawal: Penalty for withdrawal of funds other than dividends prior to maturity is 90 days of dividends earned. Maturity: Rate is fixed for the term of the certificate. Notice of maturity is mailed fifteen (15) days prior to maturity date, stating the certificate will automatically renew. Withdrawal or transfer of certificate funds is permitted within a five (5) day period following the maturity date. Transaction Limits: After the account is opened, deposits into or withdrawals from the account are not permitted until maturity. Fees could reduce earnings on an account.
*APY = Annual Percentage Yield **New money specials will renew as regular 12-mo certificate.

††Bump Up Term Share Certificates allow you to “bump up” your dividend rate by requesting a one-time rate increase during the maturity term to the prevailing rate for the same term. Dividends are earned from day of deposit to day of withdrawal and are paid and compounded monthly. A penalty may apply for early withdrawal. Rate is fixed for the term of the certificate with the added allowance of one rate increase to the prevailing rate of the same term during the maturity period. Fees could reduce earnings on an account.
*APY = Annual Percentage Yield

†††Pot of Gold Term Share Certificate dividends are compounded and paid quarterly. Dividend Rate and APYs are variable and subject to change. A penalty will apply for early withdrawal of any funds before maturity. Opening deposit must be equal to contracted deposit amount. Fees could reduce earnings on an account.
*APY = Annual Percentage Yield