Share Certificate Type

Term (Months)

Minimum to Open

Minimum Balance to Earn Dividends

Annual Percentage Yield (APY) up to $50,000

APY - $50,000+

APY - $100,000+

Clown Certificate (Ages 0-12)

12

$100

$0.01

1.65%

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Youth Certificate (Ages 13-23)

12

$500

$0.01

1.65%

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Money Market

3

$1000

$0.01

1.15%

1.40%

1.50%

Money Market

6

$1000

$0.01

1.35%

1.60%

1.70%

Investment

12

$1000

$0.01

1.65%

1.91%

2.01%

Investment

18

$1000

$0.01

1.80%

2.05%

2.15%

Investment

24

$1000

$0.01

1.85%

2.10%

2.20%

Investment
Bump Option**

30

$1000

$0.01

1.95%

2.20%

2.31%

Investment

36

$1000

$0.01

2.20%

2.46%

2.56%

Investment

48

$1000

$0.01

2.30%

2.55%

2.65%

Investment

60

$1000

$0.01

2.50%

2.76%

2.86%

IRA

12

$1000

$0.01

1.65%

1.91%

2.01%

IRA

18

$1000

$0.01

1.80%

2.05%

2.15%

IRA

24

$1000

$0.01

1.85%

2.10%

2.20%

IRA

30

$1000

$0.01

1.95%

2.20%

2.31%

IRA

36

$1000

$0.01

2.20%

2.46%

2.56%

IRA

48

$1000

$0.01

2.30%

2.55%

2.65%

IRA

60

$1000

$0.01

2.50%

2.76%

2.86%

Easy Street

24

$1000

$0.01

1.95%

2.21%

2.31%