Certificate Accounts

Good things come to those who wait.

Set aside higher balances to earn higher dividends. Only $1,000 minimum to invest. Start saving with a Share Certificate today.

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Share/IRA Certificates

Share Certificates let you set aside higher balances for a specified time period to earn higher dividends. With a $1,000 minimum and terms available from 3 months to 5 years, this is a savings investment you can count on.

$1,000 minimum to invest.
Fixed investment terms available from 6 months to 5 years.
Automatic renewal when certificate matures/term expires.

Term	Dividend Rate	APY
3-month	1.20%	1.21%
6-month	1.75%	1.76%
12-month	3.00%	3.04%
18-month	3.25%	3.30%
24-month	3.50%	3.56%
36-month	2.35%	2.38%
48-month	2.40%	2.43%
60-month	2.45%	2.48%

Additional Share/IRA Certificates

Name	Term	Dividend Rate	APY
Add-On Certificate	12-month	0.20%	0.20%
Save to Win Add-On Certificate	12-month	0.20%	0.20%

Share/IRA Certificate Specials

Take advantage of these great share certificate specials when you move $1,000 or more new money from another financial institution.

Term	Dividend Rate	APY
9-month	4.50%	4.59%
11-month	4.75%	4.86%
14-month** $5,000 new money minimum deposit	5.10%	5.22%
14-month** $100,000 new money minimum deposit	5.20%	5.33%

**Minimum deposits of $5,000 and $100,000 to open and earn dividends on the 14-month Certificates require new money currently not on deposit at Verve.

13-Month Bump Rate Certificate

This offer has ended. If you are a member with a 13-month Bump Rate Certificate, please check back often to monitor the rate and take advantage of your optional two rate increases within the term.

Increase your rate up to two times during a single term with our 13-month Bump Rate certificate.

Term	Dividend Rate	APY
13-month	3.70%	3.76%

All share certificate rates are stated as Annual Percentage Yield (APY). The dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the share certificate. Dividends compound monthly.

Share/IRA Certificates are available for 3 months – 60 months and require a $1,000 minimum.

Share/IRA Certificate Specials are available for 9, 11 and 15 months, and require a minimum of $1,000 new money.

Bump Rate Certificate is available for 13 months and requires a minimum of $1,000 new money.

Add-On Certificate is available for 12 months and requires a $25 minimum. Additional deposits are allowed.

Save to Win Certificate is available for 12 months and requires a $25 minimum. Additional deposits are allowed. Credit Union penalty for early withdrawals. See official rules at www.savetowin.com.

Fees or other conditions could reduce the earnings on the account. Credit Union penalty for early withdrawals.