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The SAYGo Certificate

We understand that sometimes, you don't have a lump some of money to open a Share Certificate. That's why we developed the Save As You Go Certificate (The SAYGo Cert for short). And, we're going to reward you with higher dividends while you save! So what is a SAYGo Cert?

  • Extremely low minimum opening balance of $25
  • Terms of 12 months
  • Funding options: Additional deposits required through EFT transfer and other, one time deposits are allowed at any point during the term (minimum $25)

So basically, you start small and end BIG! This certificate allows you to start a savings plan that earns higher dividend rates than your share savings; getting you to that goal of a lump sum of money to earn even higher rates in our standard share certificates!

Specialty Certificates (Last Modified: Apr 10, 2014)

Type of Account
Term
Minimum Balance
Dividend Rate
APY*
SAYGo Certificate
12-month
$25
1.50%
1.51%
Youth Certificate
6-month
$25
1.75%
1.76%
24-month
$25
2.25%
2.27%
FUSE Certificate
60-month
$25
1.50%
1.51%

Dividends Compounded: Quarterly • Dividends Credited: Quarterly • Dividend Period: Calendar Month • Minimum Balance for Dividends: $500 • Balance Method: Average Daily Balance • Limitations: Refer to Membership Booklet • Fees: A penalty will or may be imposed for early withdrawals. Refer to Schedule of Fees. • *APY = Annual Percentage Yield
For SAYGo, Youth, and FUSE Certificates - Minimum Opening Deposit/Balance to earn Dividends: $25

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