Specialty Accounts

9-Month High Yield Certificate

Our special 9-month certificate allows you to take advantage of today's high dividend rates, with a short term, so your money is ready before the holidays hit! Open one today!

4.07 APY 9 month certificate

Type Rate APY
9 Month Certificate
4.000% 4.074%

APY= Annual Percentage Yield    DISCLOSURES

New Money Required

Certificate Accounts, Money Markets & IRA

Current Rates

Personal Certificate Account 

We have multiple options that allow you to earn higher dividends on your money. Our Certificate Accounts start at only $500, and provide several tiers to allow your money to grow.

  • Savers Certificate Accounts allow you to start saving with a lower initial investment, and provide the option to make additional contributions over the certificate term
  • Other Certificate options start with a $500 minimum balance
  • Certificates Earn higher dividends based on balance and term of certificate
  • Dividends are compounded monthly, paid monthly

Money Market Account (MMA)

Earn extra interest on your savings account balance, while still having access to your funds.

  • Low minimum to open
  • Earn dividends higher than our Share Savings Accounts
  • Tiered levels of deposits to earn higher rates
  • Write 3 checks and up to 6 transfers a month
  • Unlimited branch transactions
  • NCUA insured up to $250,000

Individual Retirement Account (IRA)

IRAs are savings accounts with big tax breaks, usually for retirement saving. IRAs can include a variety of assets – bonds, mutual funds, stocks, and others.

Traditional IRA

  • Contribution limits exist
  • Eligibility Requirements
    •        Earned Income
  • Possible Tax Deduction
  • Earnings are always taxed
  • Required Minimum Distribution (RMD) required at 72
  • Contributions are pre-tax, with taxes paid when you withdraw the money

Roth IRA

  • Eligibility Requirements
    •         Earned Income
    •         Income Limits (MAGI)
  • Contributions are made after taxes
  • No age limit for contributions
  • Tax-deferred earnings
  • Qualified distributions are tax-free and penalty-free
  • Since Taxes are paid up front there are no taxes later

Simplified Employee Pension (SEP IRA): For the self-employed & small business owners

  • For self-employed and small business owners 
  • SEP IRAs have much higher contribution limits contribution limits
  • SEP IRA owners who still earn income may continue to make contributions 
  • Must take RMD at age 72

Health Savings Account (HSA):  Set aside funds on a pre-tax basis to pay for qualified medical costs

  • Using untaxed dollars in an HSA for deductibles, copayments, coinsurance, and other expenses, can lower overall healthcare costs
  • HSA contributions are pre-tax/tax-deductible. The money grows tax-free and the money can come out tax-free
  • Rolls over from year-to-year, so you don't lose your savings
  • Those enrolled in a high-deductible health insurance plan (HDHP) may qualify for an HSA
    -The IRS defines an HDHP for an individual as a plan with an out-of-pocket maximum of $6,550 and a minimum deductible of $1,300

Coverdell Educational IRA: For college tuition 

Find out more from the IRS

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