Certificate Special
15-Month Certificate 4.40% APY*

This is a limited time offer. *APY = Annual Percentage Yield.

- The minimum required balance to open and obtain this APY is $10,000 per certificate
- The maturity date will be 15 months from purchase and on that date the balance will automatically transfer to your Share Savings account unless you designate otherwise
- This certificate will not be renewed upon maturity

Dividends are calculated based on the daily balance of your certificate. Dividends begin to accrue on the business day of your first deposit, even for non-cash items, for example, checks. Dividends are compounded and credited monthly on the last day of the month as well as paid upon maturity.

With the exception of dividend deposits, no further deposits are allowed. Withdrawals before the maturity date will close the certificate. If you close the certificate before dividends are credited, you will receive the accrued dividends, less any penalty. The penalty for early closure is 180 days of dividends on the amount withdrawn.

Terms and conditions of the Truth-in-Savings Disclosure & Agreement apply. All rates, terms and conditions are subject to change without notice. This is a limited time offer. APY is accurate as of April 7, 2023. Other restrictions apply.

Call 619-588-1515 to start earning 4.40%APY on a 15 month certificate!

Insured by NCUA.

A great place to put extra funds when you want to earn higher dividends than regular Savings or Money Market Share Accounts

Reasons to invest in a Certificate Share Account

• Earn a guaranteed (fixed rate) return. Leave your funds in for the full term and you can calculate your dividends up front
• Many options to choose from: if you think rates will go up, invest short term; if you think rates may decline, invest in a long-term certificate
• Less risky alternative to the stock market
• Share Certificates are federally insured by the NCUA (National Credit Union Administration) to at least $250,000 for each member. (Individual Retirement Accounts (IRAs) are insured by the NCUA for an additional $250,000 per member)

The Details

• Minimum investment is $1,000
• Terms are available from 3 months to 5 years
• Certificates automatically renew at a like term at the current rate

Bump Rate Certificates

Available in 9 month or 15 month options

Allow for a one-time option during the original term to:

1. Bump the rate to the current rate being offered for this product; and/or
2. Bump the term for up to three (3) additional months; and/or
3. Bump the principal deposit balance by making an additional deposit (minimum of $1,000 with a maximum total principal deposit of $100,000, inclusive of the original opening deposit).

EARLY WITHDRAWAL PENALTY FOR SHARE CERTIFICATE ACCOUNTS

We may impose a penalty if you withdraw any of the principal before the maturity date.

• Terms of up to one year – 30 days of dividends or $25.00, whichever is less
• Terms of greater than one year – 90 days of dividends