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Certificates

Certificates offer fixed rates throughout your term for a guaranteed return.

24-Month Bump Option Special

Option to Bump Your Rate!

If rates increase during your term, you can choose a higher rate!

The 24-month bump option special includes new and or maturing certificates that renew or change to regular 24-month Share Certificate, 24-month IRA Share Certificate, 24-month Choice Share Certificate (with checking), and 24 month-Jumbo Share Certificate.

Members may choose to increase or bump their rate easily by contacting a Centric Service Representative.

Share Certificates

Details

Invest in a sure thing. Share certificates pay guaranteed returns at fixed, competitive rates.

  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Terms range from 6 to 60 months
  • Dividends may be paid to:
    • The certificate
    • Another account
    • A check to the Member
  • Use as collateral to secure a loan
  • Multiple certificates available for different needs
    • Choice Certificates pay higher rates than Regular Share Certificates
    • Jumbo Certificates require a $50,000 minimum opening deposit
  • Free online banking
  • Free mobile banking*
  • Free e-statements
  • Free telephone banking
  • Free access to shared branches all across the country
  • Nationwide surcharge-free ATMs
  • Early withdrawals subject to penalty**
  • NCUA insured up to $250,000
  • $1,000 minimum deposit to open

*Data charges may apply.

**The penalty for early withdrawal is half the term calculated within the number of days worth of dividends

IRAs

Details

Nurture your nest egg with higher dividends than regular savings and unique tax advantages.*

  • Tax advantaged* way to save for retirement
  • Earn higher rates than regular savings
  • Available in Traditional and Roth
  • No setup or maintenance fees
  • Annual contribution limits
  • Additional $1,000 “catch-up” contribution allowed for ages 50+
  • Funds can be used to purchase certificates, stocks, bonds, etc. within IRA
  • Federally insured to $250,000 by NCUA

*Consult your tax advisor.

Types of IRAs

Traditional IRA

Traditional IRA contributions may be tax deferred until you begin withdrawing funds for retirement.

  • Free Investment counseling
  • Member must not turn 70.5 during the tax year and must have compensation
  • Pays a higher rate than regular savings
  • Certain IRS restrictions apply
  • Deposits federally insured up to $250,000 through the NCUA
  • $25 opening deposit

Traditional IRA Share Certificate

Get the tax advantages of a Traditional IRA with the security of a Share Certificate.

  • Free Investment counseling
  • Pays a higher rate than regular savings
  • Rates are fixed and in effect for the term of the account
  • Terms available from 12 to 60 months
  • Dividends can be paid to the IRA Share Certificate or another IRA account
  • Early withdrawal penalty applies
  • Certain IRS restrictions apply
  • Deposits federally insured up to $250,000 through the NCUA
  • $1,000 deposit to open the account

Roth IRA

With a Roth IRA, taxes are paid prior to deposit, so qualified withdrawals are tax-free.

  • Free Investment counseling
  • Member must have compensation
  • Pays a higher rate than regular savings
  • Early withdrawal penalty applies
  • Certain IRS restrictions apply
  • Deposits federally insured up to $250,000 through the NCUA
  • $25 opening deposit

Roth IRA Share Certificate

Get the tax advantages of a Roth IRA with the security of a Share Certificate.

  • Free Investment counseling
  • Pays a higher rate than regular savings
  • Rates are fixed an in effect for the term of the account
  • Terms available from 12 to 60 months
  • Dividends can be paid to the Roth IRA Share Certificate or another Roth IRA account
  • Early withdrawal penalty applies
  • Certain IRS restrictions apply
  • Deposits federally insured up to $250,000 through the NCUA
  • $1,000 deposit to open the account

*Consult your tax advisor

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