Whether your goals are short or long term, we have a Certificate of Deposit to fit your needs. With a minimum opening balance of only $500, you can put your money to work as hard as you do. Terms are available from 3 to 60 months. Penalty for early withdrawal.

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Want To Keep Your Investments Liquid?

Introducing the Ladder Certificate of Deposit!

Ladder Certificates offer flexibility, great rates and provide liquidity for members who want funds maturing each month of the year. With a minimum deposit of $12,000, we will issue the equivalent of 12 individual CDs. The first CD will mature in 3 months from the opening date, and the other 11 CDs maturing every month after that.

The opening rates will be as follows:

The first CD will receive the current 3 month rate.
CDs that will mature in months 4, 5 & 6 will receive the current 6 month rate.
CDs that will mature months 7, 8 & 9 will receive the current 9 month rate.
CDs that will mature in months 10, 11 and 12 will receive the current 12 month rate.
And, CDs that will mature in months 13 & 14 will receive the current 12 month rate, plus .10 basis points.

At maturity, you can withdraw the funds or the certificates will roll to a 12 month term and receive the 12 month rate at that time. This “ladder” strategy gives you the flexibility you want in a changing rate environment.

For more information or to open your Ladder CD, please visit any office or call (281) 398-9900 or 800-753-2428.

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