Certificates allow you to earn more dividends than you would with funds in a regular savings account. Certificates can be set up with a minimum opening deposit of $1,000 and must maintain a balance of $1,000. Earned dividends may be posted to a savings or checking account monthly or at maturity OR you may choose to compound your certificate. There are penalties for early withdrawals. Terms range from six months to eighteen months. Automatic rollover options are available.

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