IRA and IRA Share Certificate Accounts

• Low $1,000 minimum balance required for IRA Share Certificates
• Roth, Traditional, and Educational IRA's available
• Save on taxes with possible tax-deductible contributions
• Build savings for a comfortable future or important event
• Deposits are insured to up $100,000 by NCUA
• Certificates earn higher dividends than share savings

Share Certificate Accounts (CD's)

• Affordable $1,000 minimum investment
• Certificates earn higher dividends than share savings
• Feel secure with a guaranteed rate of return for the term
• Choose to have your dividends automatically credited to your certificate's principle, transferred to another LCU account or mailed to you by check
• Share certificates are automatically renewed for your convenience at the end of the term for a like term at the current rate
• Can be used as collateral for low-interest loans for the length of the certificate

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Money Market Share Certificates

• $3,000 minimum investment to open
• Certificates earn higher dividends than share saving and paid at maturity
• Additional deposits can be made at anytime
• Withdraw one time per month without penalty
• Must maintain a $3,000 balance upon renewal
• Feel secure with a guaranteed rate of return for the term (3 months)
• Choose to have your dividends automatically credited to your certificate's principle, transferred to another LCU account or mailed to you by check
• Share certificates are automatically renewed for your convenience at the end of the term for a like term at the current rate
• Can be used as collateral for share secured loans at a very reasonable rate of interest

NOTE: Share Certificates closed before maturity are subject to early withdrawal penalties

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