For a limited time, we're offering a special rate on our seven month term certificate! Bring your money to the credit union and open a seven month certificate with at least $5,000, and we'll give you the best rate possible.*

Check our rates now and take advantage of this limited time offer today!

A minimum opening balance of $500 is required on our Term Certificates, with flexible terms up to 60 months. Our certificates pay a higher yield and the interest may be compounded or deposited to your share account quarterly. For your convenience and peace of mind, you will receive a certificate for safekeeping.

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The 9+9 Term Certificate gives you the peace of mind that you'll never be stuck in a rate that's too low. After nine months, we'll check the rate on your term certificate to see if a higher rate is available. If so, we'll automatically renew your certificate at the higher rate. If rates have gone down, your rate will not change; the certificate will renew for another nine months at its current rate. You can even add funds at the nine-month review.

Now that's peace of mind!

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Wouldn't it be nice if you could plant a money tree in
the backyard, and whenever you needed a little extra cash, you could pick a few bills? The traditional IRA could be the next best thing! With a little patience, and steady contributions, you'll see your IRA grow into an account that will help provide safety and security for you and your family for years to come. Traditional IRAs offer tax-deferred earnings, and the possibility for tax-deductible contributions.

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Roth IRA

The Roth IRA offers a unique and exciting savings opportunity. Not only can it help with retirement needs, but also a first-time home purchase or other financial goals. This flexibility makes the Roth IRA appealing to many different age and income groups. Although it's not a one-size-fits-all solution, the Roth IRA will give many members an easy and safe way to plan for the future. Unlike traditional IRAs, your contributions to a Roth IRA are never tax-deductible. However, the money in your Roth IRA, including earnings, can be withdrawn tax-free. Of course, you must conform to the plan provisions to get this tax-free advantage.

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Seeing a child work toward a college degree is every parent's dream. Unfortunately, this dream can be a nightmare in one respect--the frightful cost of a college degree. If you're wondering how you'll pay for your child's education, a Coverdell Education Saving Account (ESA) can be a smart way to save. Although contributions to a Coverdell ESA are not tax-deductible, your withdrawals (including earnings) are tax-free if used for tuition, books and other qualified higher-education expenses (including supplies, equipment and, in some cases, room & board and computers).

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[View IRA Comparison Table.]

If you want a low risk account to maximize your earnings but need access to your money, our Money Maker account would best suit your needs. Our Money Maker is a high yielding account with convenient access at anytime. You can withdraw from your account using our Audio Response Teller (ART), Online Banking, in person at the branch, by telephone, by check or by the mail. The dividend rates are tiered which means that as your balance increases so does your dividend rate and your deposit is fully insured up to $350,000.

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[Learn more about the Money Maker on the Savings Accounts page]

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