Share Certificates are offered with a term from 6 months to 5 years with a minimum deposit of $1,000.00.  Some even come with a "BUMP", meaning that during the term of the Share Certificate you can elect to "BUMP" up to a higher rate. Automatically renewed at maturity Dividend rates vary according to the term                  Dividends may be paid monthly, quarterly, and semiannually All Share Certificates earn interest compounded monthly! All Rates are quoted as APY - Annual Percentage Yield   Click for Current Rates