15 month Smart Savers Certificates

• This certificate is intended for the member who wants the ability to add additional funds at any time during the original term of the certificate.
• The Smart Savers Certificate will automatically renew at maturity with a 10 day grace period, but if the balance has grown to $500 or more, the member is allowed to invest in any of the other certificate products without a penalty.
• The certificate is available to any IRA member.
• Minimum Balance: $10.00
• Penalty: The lesser of all accrued dividends since the date of issuance or 180 days.
• Dividends: Dividends are accrued daily and compounded quarterly. Earned dividends can be credited to the certificate, taken by check or transferred to another share account quarterly.
• Term: 15 months
• Tiered Rate: Rates are based on the dollar amount and term of the investment. The more you deposit the greater the rate.
• Rate: Refer to rate sheet for current rates.
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