Term Share Certificates Individual Retirement Accounts Share Certificates Money Market Share Certificate Term Shares are designed to help members invest their money for future use and savings. Our Member Service Representatives can help you find the best terms for you. Deposits are Federally insured by NCUA. Your Credit Union Cares about your future. 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 NOTE: There are specific guidelines for contributions and distributions of IRA funds. Please contact our IRA Department for more information at 731-664-1784 or 800-227-1893 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 NOTE: Share Certificates closed before maturity are subject to early withdrawal penalties 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