Certificate of Deposit (CD)

APR*	APY**	Info and/or Terms Effective Date: 01/01/2024 Rates Subject to Change at Anytime
1.50%	1.51%	Term: 6-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 90 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.
1.75%	1.76%	Term: 12-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 90 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.
2.00%	2.02%	Term: 24-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 180 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.
2.20%	2.22%	Term: 36-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 180 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.
2.40%	2.42%	Term: 48-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 180 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.
2.60%	2.63%	Term: 60-Months Quoted Monthly Minimum Investment balance of $500.00 Early withdrawal penalty is 180 days of dividends earned or not. All Share Certificates require $100.00 to be maintained in Share/Savings Account for members 18 years of age and older.

• Competitive interest rates
• Low $500 minimum to open ($100 for youth accounts)
• Terms from six months to five years
• All accounts are Federally insured up to $250,000 by the National Credit Union Administration
• As with all CDs, early withdrawal penalties apply

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One way to maximize your interest income is with a strategy called CD laddering. Over time, it’s an easy way to earn a higher rate without locking up all your money into a single long-term certificate.

For example, instead of opening one 5-year CD for $5,000, you would divide your initial deposit into five equal CD’s. $1,000 each for a 1-year term, 2-year term, 3-year term 4-year term and 5-year term.

Each year, roll the certificate that comes due into a new higher yield 5-year certificate. This way, you will have 1/3 of your funds coming due each year, should you ever need it. And by the fifth year, all of your certificates will be receiving the highest dividend they can. That’s making money the smart, safe and secure way!

• Staggered maturity dates ensure you will always have access to part of your funds within one year.
• The annual maturity dates give you the opportunity to reinvest your savings in higher yield certificates should rates go up.
• You can ladder your maturity dates to match the timing of your financial goals, including college tuition, vacation plans, home improvements, retirement, etc.

For complete details or to purchase your Share Certificate, stop by one of three conveniently-located branches in Wilkes-Barre, Hazleton or Plains Township and get started today!

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