Certificates        Effective 05/14/2008
$500 minimum to open a certificate APR APY
18 month special 3.445% 3.50%
  3 month 2.10% 2.10%
  6 month 2.72% 2.75%
 12 month 3.11% 3.15%
 24 month 3.55% 3.60%
 36 month 3.70% 3.75%
 48 month 3.80% 3.85%
 60 month 3.94% 4.00%
  • Above rates are available for IRA investments
  • Dividends are paid quarterly and at maturity. Dividends on Six-month Certificates and Special Rate Certificates are paid monthly and at maturity.
  • Penalty for Early Redemption of Certificate is 90 Days' Dividends (may reduce the principal of CD)

Payment Options

  • Dividends may be compounded to the certificate
  • Paid to an ECU Share Account
  • Paid by Check