Certificates - Earn More with High Rates

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Central Advantage Premium Certificates

For members who are 18 years of age or older and maintain a direct deposit of at least $1000 per month into a Central Advantage Checking account, the Central Advantage Premium Certificate provides a higher rate of return than our regular certificates.

Current Premium Rates

 

Certificate Term Dividend Rate APY^

6 Month 1.834% 1.85%

1 Year 2.129% 2.15%

18 Month 2.521% 2.55%

2 Year 2.570% 2.60%

30 Month 2.813% 2.85%

3 Year 2.960% 3.00%

5 Year 3.057% 3.10%
 

Features

  • Premium interest rate, often well above the national CD average1
  • Choice of terms (6-month, 1-year, 18-month, 2-year, 30-month, 3-year and 5-year)
  • Can borrow against the certificate with a secured loan
  • Dividends compound monthly
  • Choose to have dividends transferred monthly to any of your accounts or paid to you by check
  • Federally insured by the NCUA

Requirements

  • Minimum deposit of $5 in Owner Voting Share account
  • Minimum balance of $10,000
  • Enrolled in Central Advantage Checking
  • Meet the Central Advantage Checking eligibility requirements
  • Subject to early withdrawal penalties*


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Other Certificate Products

^APY = Annual Percentage Yield

1 National rate comparison from Bestcashcow.com as of 1/24/2018.

* Certificate Share Disclosure:
All certificate rates are fixed for the length of the term. A penalty may be imposed for withdrawals before maturity. If your account has an original maturity of one year or less, the penalty will equal three months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one year the penalty will equal six months dividends on the amount withdrawn subject to penalty. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. If the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. In certain circumstances such as the death or incompetence of an owner of this account, the law permits or may require the waiver of the early withdrawal penalty. Other exceptions may also apply; for example, if the certificate is part of an IRA or other tax-deferred savings plan.

IMPORTANT: Failure to maintain the requirements of the Central Advantage Checking or Central Advantage Premium Certificate accounts may result in placement in a Share Draft Checking or Regular Certificate account.