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We believe in saving for a rainy day.

Certificates and IRA Certificates are available in terms of 6 months to 6 years and have varying rates.

Dividends on all certificates are compounded daily and paid monthly. Certificate dividends can be:
• Credited to the account of your choice
• Compounded back into the term share certificate
• IRA certificates can only compound or transfer to an IRA savings tied to the same plan

Terms of 1 year or less:
Early withdrawal penalty is 90 days' dividends or all dividends earned, whichever is less.

Terms greater than 1 year:
Early withdrawal penalty is 180 days' dividends or all dividends earned, whichever is less.

Grace Period:
There is a 10 calender day grace period after a certificate matures to redeem or make changes with no penalty.

Automatic Renewal:
A maturity notice will be sent shortly before the certificate matures. If no action is taken, the certificate will automatically be renewed at the dividend rate in effect on the renewal date. Automatic renewal does not apply to certificate specials, if available.

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Related topics:

  • Financial Calculators

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