Share Certificate and IRA Accounts


Certificates offer higher returns for your investment. The rate at the time of investment is locked in for the term of the certificate. Members can choose from a range of terms. Dividends are compounded and paid quarterly to the certificate account. A minimum deposit of $1,000.00 is required. The account will automatically renew at maturity, however, a grace period at the maturity date allows members to withdraw or redeposit funds. A penalty is assessed on withdrawals before maturity.


IRAs have traditionally been great investment tools. We offer both Traditional and Roth IRA’s. Our rates are competitive, and member IRA accounts are insured up to $250,000. We know the future can seem intimidating, but anytime is a good time to start planning. An IRA account might be just the thing to help with your future.


Start saving now for your child’s education. The purpose of this IRA account is to help members pay for their child’s educational expenses – tuition fees, books, supplies/equipment, and in some cases, room and board, and computers.

The main benefits of our Coverdell Education Savings Account are that the funds can be used to pay for qualified elementary and secondary education expenses, and the earnings grow tax-free if distributions are used for qualified education expenses.



To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents.

View Our Rates

Our rates are based on membership eligibility. We strive to give competitive rates to our members while still keeping fees minimal.