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Certificates of Deposit

Accentra Certificate Accounts provide members with a guaranteed rate of return on insured investments over a fixed period of time. With a range of terms and minimum opening deposits there’s an option for everyone.

Certificate Accounts:

3- to 60-month terms
Minimum opening deposit as low as $10.00
No fees or service charges
Funds are Federally insured by the National Credit Union Administration (NCUA)

At maturity you can:

Automatically renew principal and dividends for the same term at the current rate at the time of renewal
Withdraw your dividend earnings and renew principal
Reinvest the certificate in a different investment
Cash in the entire certificate (if you withdraw funds from the certificate early there is a penalty)

Certificate Accounts
Term	Rate	APY*	Interest Compounded	Minimum Opening Deposit
3 Months	0.20%	0.20%	At Maturity	$500.00
6 Months	0.25%	0.25%	At Maturity	$500.00
12 Months	0.30%	0.30%	Quarterly	$500.00
18 Months**	0.07%	0.07%	Monthly	$10.00
24 Months	0.40%	0.40%	Quarterly	$500.00
36 Months	0.50%	0.50%	Quarterly	$500.00
48 Months	0.60%	0.60%	Quarterly	$500.00
60 Months	0.70%	0.70%	Quarterly	$500.00

*APY = Annual Percentage Yield
**Applies to 18 month term only: the interest rate and Annual Percentage Yield (APY) are variable an is based on an Index.