Share Certificates

Share Certificates

Invest your money for a specific period of time and receive higher yields in return.

  • Terms available from 12-months to 60-months
  • $500 minimum deposit required
  • Dividends are compounded and paid quarterly
  • Dividends are deposited to your regular share account, not to the certificate
  • Penalties for early withdrawal apply




Individual Retirement Accounts (IRA’s)

Start planning for your retirement with an IRA at your credit union. We offer Traditional and Roth IRA’s and Coverdell Education Savings Accounts, as well as IRA Certificates, to give your money a good head-start. Choose the IRA plan that best suits your financial needs.

IRA Share Certificates
We offer IRA Share Certificates with terms of 12 to 60 months. Rates may change weekly and are the same as our Regular Share Certificate rates. Dividends on IRA Share Certificates are posted to the IRA Accumulation Account. Call our IRA specialist at (814) 899-6608 for more information.

Coverdell Education Savings Account
This account (formerly known as an Education IRA) is designed to assist parents and others to save for a child’s education. While contributions** to this type of Account are not tax deductible, the earnings grow tax deferred and have the potential to be withdrawn tax free. This account can only be used for education expenses such as tuition, fees, books, supplies and equipment required for the enrollment or attendance of a designated beneficiary at an eligible education institution.

**All contribution limits are federally regulated and are based upon modified adjusted gross income.

All deposits, transfers, and withdrawals are subject to the laws governing IRA’s and are disclosed to you at the time of opening your IRA account. Contact our IRA specialist for more information on applicable fees and terms