Deposits

Certificates

Certificates are popular with members who prefer a higher fixed rate dividend for a fixed period of time. Certificates are available in a variety of terms and at very competitive RATES. Members can choose between 3, 6, 9, 12, 24, 30, and 60-month terms. Choose the Certificate that best meets your needs.

Individual Retirement Account (IRA) -Roth -Traditional

The Roth IRA is a new savings instrument that allows you to invest after-tax dollars. But, unlike a Traditional IRA, your investment earnings are tax-free, if you maintain the IRA for at least five years and take qualified distributions. The tax-free, non-deductible Roth IRA can greatly accelerate your personal retirement savings. This IRA also enables many individuals, whose income levels do not allow them to contribute to a Traditional IRA, to contribute to a Roth IRA. Many employees with pension plans will also be able to contribute to a Roth IRA. With no taxes on earnings, your Roth IRA could be worth more than a Traditional IRA at withdrawal. A variety of Roth and Traditional IRA certificates, rollover reinvestments and transfer services for existing IRAs are available at very attractive RATES.