Certificates   Share certificates offer a higher fixed rate of return. We offer six, twelve , twenty four and thirty six month term certificates with a minimum of $500. We offer six, twelve, twenty four and thirty six month term Jumbo certificates with a minimum of $25,000.  Increase your rate with a Step-Up Certificate one time during the term of your share certificate. $1,000 minimum to open a Step-Up Certificate and twenty four and thirty six month terms available. Penalty for early withdrawal.   We offer an IRA Certificate with a twelve, twenty four and thirty six month terms and a $500 minimum. Share Certificates are automatically renewable upon maturity with a 10 day grace period to redeem. Penalty for early withdrawal on all certificates and your deposits insured up to at least $250,000 by NCUA, a federal government agency.

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