Share Certificates are popular with members who prefer a higher fixed rate dividend for a fixed period of time. Certificates are available in a variety of terms and at very competitive RATES.

Build a ladder to higher earnings.  
"NEW 7 Month Certificate"

Members can choose between 3, 6, 12, 18, 24, 30, 36, 48 and 60-month terms. Choose the Certificate(s) that best meets your needs. Share Certificate Application.

The Roth IRA is a new savings instrument that allows you to invest after-tax dollars. But, unlike a Traditional IRA, your investment earnings are tax-free, if you maintain the IRA for at least five years and take qualified distributions. The tax-free, non-deductible Roth IRA can greatly accelerate your personal retirement savings. This IRA also enables many individuals, whose income levels do not allow them to contribute to a Traditional IRA, to contribute to a Roth IRA. Many employees with pension plans will also be able to contribute to a Roth IRA. With no taxes on earnings, your Roth IRA could be worth more than a Traditional IRA at withdrawal. A variety of Roth and Traditional IRA certificates, rollover reinvestments and transfer services for existing IRAs are available at very attractive RATES.