Certificates are the perfect choice for no-risk savings. They're federally insured up to $250,000 by NCUA. And, because you make a commitment to keep your deposit in a Certificate for a specified term,* they earn higher dividends than savings or money market accounts.

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Standard Certificates
	$500 minimum to open 3 month to 60 month terms

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Jumbo Certificates
	$100,000 minimum to open 6 month to 60 month terms

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Step-Up Certificates Limited Time Offer
	Choose when to step up to a higher rate any one time during the term $5,000 minimum to open 36 month to 60 month terms

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IRA Certificates
	$100 minimum to open 3 month to 60 month terms Make add-on deposits to IRA Certificates with terms of 12 months or less Jumbo, Bonus and Step-Up Certificates may also be designated as IRAs (see minimums and terms above). IRA Certificates earn the same dividend rates as non-IRA Certificates. IRS contribution limits and penalties apply. More IRA information

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Rags to Riches Children's Certificates
	$100 minimum to open 12 month and 24 month terms Make add-on deposits of $10 or more during the term More Rags to Riches Kids Club information

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For a strategy on investing with certificates, check out this article on Laddering Certificates.

Also check out the RealityCheck Article: Do You Have a Personal Savings Plan?

*Penalties for early withdrawal apply.

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