Certificates

SHARE CERTIFICATES

Are the highlight of our savings program. We offer five outstanding certificates. Choose a four, six, twelve, twenty-four, or thirty-six month certificate and earn the highest possible return on your investment. Dividends are paid monthly and compound on your certificate.

INDIVIDUAL RETIREMENT ACCOUNTS

Offer you a chance to save on taxes now while preparing for the future. We offer all three types of IRA Plans (Traditional, Roth and Education, now known as the Coverdell Education Savings Account) that earn high dividends and have no service charges or fees. Investments are in IRA share accounts or IRA share certificates (dividends are paid monthly and compound on your certificate). Traditional and Roth IRAs are insured separately to a maximum of $250,000 by the Federal Government in addition to the other share insurance. Education IRAs are insured as irrevocable trust accounts.

MARKET INDEX CERTIFICATE

For IRAs or regular investments with dividends based on the movement of the Dow Jones Industrial Average. The principal is federally-insured.