Your credit union offers very competitive certificate rates. For the most current information on rates and requirements, visit a credit union office or simply call Phone Access Teller (PAT). Member accounts are insured to at least $250,000 by the National Credit Union Share Insurance Fund.

Certificate Options

$500.00 Certificates

$2,500.00 Certificates

Dividend Rates

Your Credit Union pays a superior dividend rate, which is very competitive when compared with other financial institutions. And members in good standing may qualify for an even higher Relationship dividend rate based on having qualifying checking and loan relationships**. The more you participate in your Credit Union, the greater your dividend can be! It's one way of thanking you for doing business with Visions.

Deposits

The 91-day fixed rate and 3 1/2 year variable rate share certificates may allow subsequent deposits during the term of the share certificate at the option of the credit union and must be $100 or more.

Withdrawals & Penalties

There is an early withdrawal penalty for failure to comply with share certificate requirements. Should you withdraw funds prior to maturity, the penalty will be as follows: If the qualifying period is one year or less, you will forfeit an amount equal to the lesser of (a) all dividends for 90 days on the amount withdrawn, or (b) all dividends on the amount withdrawn since the date of issuance or renewal, but not less than an amount equal to seven days worth of dividends. If the qualifying period is greater than one year, you will forfeit an amount equal to the lesser of (a) all dividends for 180 days on the amount withdrawn, or (b) all dividends on the amount withdrawn since the date of Issuance or renewal, but not less than an amount equal to seven days worth of dividends. (Penalties will not be applied if withdrawal is made subsequent to the death of the primary owner of the Share Certificate.) Should the balance of the Share Certificate fall below the required minimum, penalties will be imposed and certificate closed.

Dividend Rates*

Dividends are paid on the daily balance, compounded daily and credited monthly.

IRA Certificates

The Credit Union offers the same investment alternatives mentioned above IRA's. For current interest rates and other information, call or visit a Credit Union office.

How to Open a Share Certificate

To open your Share Certificate, simply visit any of our offices. Ask to talk with a Service and Sales Representative or Branch Manager.

*Dividend rates, according to government regulations cannot be absolutely guaranteed. FEDERAL REGULATIONS PROHIBIT PAYMENT OF DIVIDEND IN EXCESS OF AVAILABLE EARNINGS.

**To qualify for the relationship dividend, you must be a member in good standing and maintain one relationship from Column A and one relationship from Column B: