Save to Win® Certificate

*APY=Annual Percentage Yield.  Actual rate is 3.59%. Rate effective 09/14/2026 and is subject to change. Minimum balance requirement for the certificate is $25.00, and account holders must maintain a regular share account with a minimum balance of $5.00. Additional deposits are allowed during the term of this certificate.

For every $25.00 increase in month over month balance, the certificate of deposit owner will earn one entry (up to 100 entries per month/300 entries per quarter) into the savings raffle. The Savings Promotion Raffle begins on January 1 of the current year and ends December 31, however certificates will mature 12 months after account opening. In case of early withdrawal or fees, earnings could be reduced. If you close your account before accrued dividends are credited, accrued dividends will not be paid. During the term of the Save to Win® Certificate, account holders will be allowed to make one withdrawal from the account with a $15.00 penalty to be assessed at the time of withdrawal. If the early withdrawal reduces the principal below the minimum balance or a second withdrawal is performed in the 12-month term, the certificate will be closed. The penalty will be deducted from the principal amount. The rate, APY, and fee schedule may change at any time without notice. Only one Save to Win Certificate of Deposit is allowed per individual. Must be 18 years of age or older.