Interest on Certificates is compounded and paid quarterly and added to the Certificate at maturity unless you request that it be transferred to another account. There are penalties for early withdrawal, however, penalties are usually only on interest earned and there are several exceptions including death and disability.

Save for Certificates Automatically, Systematically

With Payroll Deduction or Direct Deposit, you can have part of your paycheck transferred automatically into a special Club Account to save-up for Certificates. Transfer the money into a Certificate when you reach the amount you want to invest. When you use systematic, automatic Payroll Deduction or Direct Deposit, you can't help but reach your Savings goals.

As You Invest, You May Want to Arrange Your Certificates Into an Investment Ladder

Financial analysts have demonstrated that using an Investment Ladder results in higher returns over the long run. Instead of investing all your money in one Certificate in one "lump sum," invest in multiple Certificates with staggered maturities.This way, all your money ( invested in one Certificate ) doesn't mature all at once during a lull in rates, leaving you with no attractive reinvestment options. Likewise, some of your money will always be maturing ( because you have numerous, staggered Certificates ) so you'll have funds to reinvest during periods of rate peaks.

Credit Union Certificates are the perfect vehicle for building an Investment Ladder. Contact the Credit Union about investing for you and your family's future with safe, high yield Credit Union Certificates.

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