Deferred Dividend Certificate

Deferred Dividend Certificate

This type of certificate works differently from our other type of term share certificates. A deferred certificate is designed to help accumulate money for long-term goals such as retirement or to protect funds you have already saved. 


  • Dividends for this account are paid at maturity and compounded annually.

  • Federally insured to $250,000 by NCUA

  • ​12-month term available

  • Guaranteed rate for the term of the certificate

  • ​Tiered rates for higher balances


  • Must open a Membership Savings Account prior to opening

  • $500 minimum balance

  • Age 18 and up or have a joint owner

Term Share Certificate F.A.Q.s

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