Investment & Retirement Options

Are you up for the 52-Week Saving Challenge?

Our 52-Week Challenge Certificate is designed to build massive savings habits with zero stress.

• How it works: You open the certificate at one of our branches, deposit just $1 the first week, and increase your deposit by an additional dollar each week. By the time you reach week 52, you’ll have saved $1,378 plus dividends!

• Tips and Tricks: Don't want to track it manually? Set up a weekly automatic transfer of $26.50 to hit the same goal smoothly on autopilot. You can also switch things up by starting with $52 the first week and working your way backward. Keep your tracking chart in a place you look at every day as a reminder to save, and if you have extra funds to contribute to your weekly deposits, go for it!

Standard Share Certificates

Lock in Guaranteed Growth

If you have a set savings goal and a timeline in mind, our regular Share Certificates provide fixed terms and guaranteed fixed rates. Your money will earn market-leading rates safely away from market volatility.

• The Benefits: Choose to have your earnings compounded directly back into the certificate monthly, or sent directly into your checking or savings account.

• Use It As Collateral: Need cash but don't want to break your certificate? Borrow against yourself! Get your money available in minutes with comfortable monthly payments, at a loan interest rate that is only two percentage points above your certificate's dividend rate.

IRA Share Certificates

Maximize Your Retirement Savings

Combine the tax advantages of an IRA with the steady, guaranteed growth of a fixed-term certificate. An IRA Share Certificate is the ideal way to shelter your retirement nest egg from risk as you approach your milestone years.

• The Benefits: Your retirement funds are guaranteed to earn competitive market rates or higher, and your investment earnings compound directly back into the certificate every single month.

Traditional and Roth IRAs

Tailored Retirement Solutions to Fit Your Needs

We offer both Traditional and Roth IRA options to align with your specific tax strategy. Best of all, your retirement accounts are federally insured and completely separate from your other deposit accounts by the NCUA.

• Traditional IRA: Typically lets you deduct contributions from your taxes now, paying taxes later when you withdraw in retirement.

• Roth IRA: You contribute after-tax money now, allowing your money to grow and be withdrawn completely tax-free later in life.

Simplified Employee Pension (SEP IRA)

Retirement Planning Designed for Small Business Owners

If you are a sole proprietor, a partner, a corporation, or managing a small employee group, a Simplified Employee Pension (SEP IRA) gives you a high-limit retirement plan without heavy administrative red tape. It perfectly meets the needs of small employers with limited resources because it is incredibly easy to administer.

• The Benefits: Your contributions are fully tax-deductible, and any retirement contributions you make on behalf of your employees count directly as a business expense.

• What to Know: Designed specifically for small businesses and the self-employed.

Coverdell Education Savings Plan (CESA)

Save for a child's education the smart way. Contributions made to a Coverdell account grow tax-deferred and can be withdrawn in full, tax-free¹, to cover tuition, books, fees, and many other vital learning expenses.

• The Benefits: You can make contributions or pull funds out at any point during the year when school expenses pop up.

• Tax Advantages¹: Can include tax-free growth and tax-free withdrawals

• What to Know: Start building their educational baseline with just a $50 initial deposit.

Health Savings Account (HSA)

Paired with a high-deductible health plan, a Health Savings Account (HSA) lets you pay for qualified medical costs and insurance shortfalls using pre-tax dollars. It offers an excellent approach to controlling and stabilizing your health care costs.

• The Benefits: This account is fully portable, meaning it stays with you if you change jobs or leave the workforce entirely. There is absolutely no "use-it-or-lose-it" rule—your unused savings roll over securely year after year.

• Tax Advantages¹: Deduct contributions from your taxes, watch account earnings accumulate tax-deferred and enjoy tax-free distributions. Includes check access at no additional cost.

• What to Know: Requires a $50 minimum opening deposit.