Certificates


We offer various types and terms on our certificate. The minimum certificate deposit for Scottie Savers and RADS is $100.00. 

  • Share Certificates

    Dividends are paid and compounded quarterly.
    Dividend rates are subject to change at any time.
    Certificate Amount Penalty
    6 Month Certificates $500.00 minimum 180 day dividend penalty for early withdrawal.
    12 Month Certificates $500.00 minimum 365 day dividend penalty for early withdrawal.
    18 Month Certificates $500.00 minimum 365 day dividend penalty for early withdrawal.
    24 Month Certificates $500.00 minimum 365 day dividend penalty for early withdrawal.
    36 Month Certificates $500.00 minimum 365 day dividend penalty for early withdrawal.
    48 Month Certificates $500.00 minimum 365 day dividend penalty for early withdrawal.
    60 Month Certificates $500.00 minimum 365 day dividend penalty for early withdrawal.
  • IRA Certificates

    Your IRA accounts are federally insured for an additional $250,000.00 by NCUA.
    IRA accounts may not be pledged.
    Dividend rates may change at any time
    Dividends are compounded and paid quarterly
    Certificate Amount Penalty
    12 Month Certificate $500.00 minimum 365 day dividends penalty for early withdrawal.
    24 Month Certificate $500.00 minimum 365 day dividends penalty for early withdrawal.
    36 Month Certificate $500.00 minimum 365 day dividends penalty for early withdrawal.
    48 Month Certificate $500.00 minimum 365 day dividends penalty for early withdrawal.
    60 Month Certificate $500.00 minimum 365 day dividends penalty for early withdrawal.
  • Roth Certificate

    Roth and Education IRA's also available

    • Dividend rates may change at any time
    • Dividends are compounded and paid quarterly
  • Coverdell Education Certificates

    • Formerly known as Education IRAs, Coverdell Education Certificate Accounts are an ideal way for you to begin saving money to help a child, grandchild or any young person you know pay for highter education expenses down the road
    • Contributions to Coverdell Education Certificate Account are not tax-deductible, but distributions used to pay for the qualified education cost of the named beneficiary are generally tax free
    • Individuals may make contributions for a tax year no later than the tax filing deadline for that tax year; generally April 15
    • Contact the credit union for details and information

All shares are Federally Insured by the National Credit Union Administration (NCUA), a U.S. Government Agency.