Share Certificates

Looking to maximize your earnings? Try a Share Certificate. Want to go one step further? Build a share certificate ladder. A ladder spreads your investment over certificates of different terms. Say you have $5,000 to invest. First, split it into two $2,500 certificates of different terms.¹ When the shorter-term certificate matures, reinvest it in a new one. Then repeat that strategy to create a “ladder” of maturity dates.²

• Invest $2,500 or more for a 6- or 12-month term^1,3
• Invest $1,000 or more for 18, 30 or 36 months^1,3
• Earn dividends on total balance, fully insured
• Dividends calculated on daily balance, paid monthly

IRA Share Certificates

It’s never too early to plan for retirement, and a high-interest Individual Retirement Account (IRA) Share Certificate lets you save for the future safely and securely at your pace. Flexible deposit amounts and terms.¹ Tax-deferred dividend income.

• $500 minimum for 30 months^1,2
• $2,000 minimum for 6 months^1,2
• Tax-deferred advantages
• No monthly fees

Traditional IRAs

Start saving for retirement early and earn a lifetime of compounded interest.¹ A Traditional IRA lets you defer taxes on your earnings until they’re withdrawn at age 70 ½.² Certain contributions may also be tax-deductible in the year they’re made.³

Roth IRAs

If you expect to be in a higher tax bracket when you retire, you may benefit more from a Roth versus Traditional IRA. Roth IRA contributions are non-deductible in the year they’re earned,¹ and there’s no requirement to begin taking distributions at age 70 ½.² Invest in tomorrow today. Enjoy tax-free withdrawals for qualifying distributions after just a five-year holding period.