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Certificates

CertificatesBuild today for a secure tomorrow.

If stock market volatility makes you nervous, then consider Certificates of deposit, which offer a no risk guaranteed rate
of return.

Certificates are a wise choice and provide a fixed, guaranteed
rate of return.

If you're not sure how long to commit your money in a single Certificate, consider building a Certificate ladder. With this strategy, you can spread your money across several Certificates that have different terms or maturity dates and enjoy:   

  • The benefit of earning higher rates with longer terms
    •   
  • Access to your money each year when individual
          Certificates mature

    • If you had $10,000 to invest, here's how it could work:
    1. Put $2,000 each in five Certificates, with terms from 12 months through 60 months as follows:

    Term             Amount
    12 month     $2,000
    24 month     $2,000
    36 month     $2,000
    48 month     $2,000
    60 month     $2,000

    2. When each Certificate matures, reinvest it in a 60 month Certificate.

    3. Continue replacing the longest term, in this example the 60 month term, rolling over each Certificate as it matures unless your funds are needed for other purposes.


    Key Benefits

    • Flexibility of 3 month to 60 month terms
    • Highly competitive rates
    • Provides peace of mind with guaranteed rates of return
    • Balances are NCUA insured to the maximum allowed by law