Borrow Smarter and Earn More

Earn more, save on taxes, and watch your investments grow

Certificates and Individual Retirement Account (IRA) Certificates are  smart ways to save that offer great rates and guaranteed returns. Here’s what you need to know:

Certificates:

• Watch your savings grow at a fixed rate
• Higher rate than other savings options
• Guaranteed returns – your rate is guaranteed for the life of your certificate
• Safety - your funds are federally insured
• Consider Certificate Laddering which allows you to invest in several Certificates at various dividend rates (also known as Interest Rates at Big Banks) and get access to your money sooner.

IRA Certificates
IRA Certificates help you save for retirement and are a great option to help supplement your existing retirement plans.

They combine the tax advantages of an IRA along with the higher rate and guaranteed return of a certificate. Benefits of an IRA Certificate:

• Safety – your savings are federally insured
• Guaranteed returns – your rate is guaranteed for the life of your IRA Certificate
• Allows your money to grow tax-free over time.