A Credit Union Share Certificate, or Certificate of Deposit, gives you the opportunity to invest your money with minimum risk and a guaranteed return. You can earn a higher rate than you would on a savings account and still enjoy the security of a low-risk investment tool.

Looking for a solid return but worried about liquidity? Consider our limited-time 7-Month Ready Access Certificate! There is no penalty for early withdrawal after 7 days, making this certificate perfect for members who need their funds on demand.

We offer certificates with terms ranging from six months to five years. View our current certifcate rates here.

Plan for your retirement with an Individual Retirement Account. A variety of options are available to meet your financial needs, and deposits may be tax deductible.

WHY OPEN AN IRA? Here are some good reasons to consider having an IRA:

• LONGEVITY - retired Americans are living longer, healthier lives. This certainly has resulted in the need to stretch or add to your retirement funds.
• SAVE ON CURRENT TAX BILL - If you are eligible, you may be able to deduct your contributions to a Traditional IRA on your current tax form and still reap tax-deferred earnings until withdrawal at retirement.
• TAX FREE EARNINGS - Roth IRAs generate tax free earnings when withdrawn, as long as the account has been maintained for 5 years or you meet certain other withdrawal conditions.
• DIVERSIFICATION - IRAs can help to diversify your retirement portfolio.

Traditional or Roth IRA contributions for 2009 are $5,000. If you are over 50 years of age, the maximum is $6,000.

We can help you to secure a more comfortable retirement by assisting in your consideration of which type of IRA may be best for you. View our current rates here or click here to contact us for details.