3 to 60 month Term Share Certificates Fixed rate, fixed term certificate of deposit that provides a higher return than a regular share account. Automatically renews at maturity with a 10 day grace period. Minimum Balance: $500 Penalty: For Term Share Certificate Accounts with an open date prior to September 1, 2013, the following penalty provisions will prevail. We will impose a penalty if you withdraw any of the funds before the maturity dates. The penalty imposed will equal the lesser of all accrued dividends or 90 days dividends calculated on the amount withdrawn for Accounts having a term of one year or less, and the lesser of all accrued dividends or 180 days dividends calculated on the amountwithdrawn for Accounts having a term greater than one year. Penalty: For Term Share Certificate Accounts with an open date after September 1, 2013, the following penalty provisions will prevail. We will impose a penalty if You withdraw any of the funds before the maturity date. For Accounts having a term to maturity that is less than 1 year, the penalty will be an amount equal to 90 days dividends. For Accounts having a term to maturity that is equal to or greater than 1 year but less than 3 years, the penalty will be an amount equal to 180 days dividends. For Accounts have a term to maturity that is equal to or greater than 3 years, the penalty will be an amount equal to 365 days of dividends. Dividends are accrued daily and compounded quarterly. Earned dividends can be credited to the certificate, taken by check or transferred to another share account quarterly. Term: From 3 months up to 60 months Tiered Rate: Rates are based on the dollar amount and term of the investment. The more you deposit, the greater the rate. Refer to rate sheet for current rates. Savings Rates 15 month Smart Saver Certificate This certificate is intended for the member who wants the ability to add additional funds at any time during the original term of the certificate. The Smart Saver Certificate will automatically renew at maturity with a 10 day grace period, but if the balance has grown to $500 or more, the member is allowed to invest in any of the other certificate products without a penalty. The certificate is available to all members, including those with IRA’s. Minimum Balance: $10.00 Penalty: The lesser of all accrued dividends since the date of issuance or 180 days. Dividends: Dividends are accrued daily and compounded quarterly. Earned dividends can be credited to the certificate, taken by check or transferred to another share account quarterly. Term: 15 months Tiered Rate: Rates are based on the dollar amount and term of the investment. The more you deposit the greater the rate. Rate: Refer to rate sheet for current rates. Increase your rate with SmartPoints! Savings Rates