Privacy Policy		• Share Certificates • Roth / Education IRA Share Certificates • Current Rates Share Certificates If you would like to earn a higher dividend rate on your investment, as well as have the feeling that your investment is secure, then a share certificate may be right for you. With terms ranging from 3 months to 5 years, we have a rate and term that will suit your particular investment time frame. Many members also chose to spread out their share certificates to maximize their liquidity while at the same time maintain their higher dividend rate. Roth / Education IRA Share Certificates If you choose to take advantage of the benefits of a Roth or Education IRA and would like to lock in a higher rate of interest, then a Roth or Education IRA Share Certificate is perfect for you. As an added bonus, we will offer members a 25 basis point increase or 0.25% more on the rate corresponding to the term that they select. Please check with a financial planner before investing in a Roth or Education IRA due to the fact that IRAs have certain income limitations and other restrictions.