Share Certificates require a minimum purchase of $1,000. Share certificates guarantee a fixed rate of return for a specific period of time. Rates are set according to market conditions and can change daily.  The current rates are as of 07/14/10.

NEW!  Young Savers CD require a minimum purchase of $250.  This certificate is designed for youth ages 0-17 years.  See rate table below for details.

Term	Rate Type	APR	APY
6 Months	Fixed	0.50%	0.50%
9 Months	Fixed	0.50%	0.50%
12 Months	Fixed	0.75%	0.75%

Dividends are calculated on the Daily Balance method, compounded and paid quarterly.  

CD Withdrawal Penalties:
- Up to 1 year:  90 days interest
- Over 1 year:  180 days interest

APR = Annual Percentage Rate
APY = Annual Percentage Yield

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, by the National Credit Union Administration, an agency of the U.S. Government.  Effective October 15, 2008, Traditional and Roth IRAs (Individual Retirement Accounts) are insured to $250,000 by the National Credit Union Administration, an agency of the U.S. Government.  We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Additional information can be found in the NCUA Your Insured Funds brochure.