You can put spare money to work for you and earn higher dividends by saving in a Family Trust certificate for a set period of time.
Bump Your Rate Certificate
With our Bump Your Rate 3-Year Certificate you lock in a great rate now, with the option to bump it up once during the term.
|Open a 36-month term account for as little as $500|
|No monthly maintenance fees|
|Option to increase your rate with no fee or term extension|
|Easy to request increased rate, just call or chat with us online|
|Interest compounded quarterly|
|Funds federally insured up to $250,000 with NCUA and an additional $250,000 with Excess Share Insurance|
Regular Term Share Certificates
|A variety of options for length of investment, ranging from 3 months to 5 years|
|Low opening balance requirement|
|Option to pay dividends into other accounts|
|Notice of maturity sent by mail or email|
8 APY = Annual Percentage Yield correct as of 1/7/2019. Dividends are compounded and credited quarterly. Rate is subject to change without notice. Any withdrawal prior to maturity will reduce earnings. A penalty is imposed if certificate funds other than earned dividends are withdrawn before the maturity date.
9 Bump Your Rate Certificate: Personal checking account required to open. New checking accounts must have direct deposit. Dividend rate may be changed to match any current comparable 36 month share certificate rate offered by the credit union once during the term of the certificate.
|Product||Min. Deposit to Open||Min. Balance Tiers, APY8 / Dividend Rate||Min. Balance Tiers, APY / Dividend Rate||Min. Balance Tiers, APY / Dividend Rate|
|Regular Term Certificate||$500||$20,000||$100,000|
|3 month||0.20% / 0.20%||0.25% / 0.25%||0.30% / 0.30%|
|6 Month||0.25% / 0.25%||0.30% / 0.30%||0.35% / 0.35%|
|9 months||1.20% / 1.19%||1.50% / 1.49%||1.75% / 1.74%|
|12 months||1.45% / 1.44%||1.60% / 1.59%||1.85% / 1.84%|
|24 months||1.50% / 1.49%||1.65% / 1.64%||1.90% / 1.89%|
|36 months9||2.50% / 2.48%||2.75% / 2.72%||3.00% / 2.97%|
|48 months||2.55% / 2.52%||2.80% / 2.77%||3.05% / 3.02%|
|60 months||2.65% / 2.62%||2.90% / 2.87%||3.15% / 3.11%|