Term Certificates are available for those members that are able to tie up their money for a period of time. We offer low buy–ins, only $500. In return, you receive a rate higher than a regular savings account. We have a variety of terms available, from 6 months through 4 years.
Additionally, to help you keep pace with the changing market: all of our certificates have a Bump Up Option. This option, when exercised, allows you to bump your interest rate to a higher rate once during the term of the certificate. You would exercise this option if market rates are increasing. For the rest of the term of the Certificate, you would earn higher interest!