Term Certificates (CDs)
SRI (socially responsible investing) CDs
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Our term certificates offer you peace of mind with a guaranteed dividends (interest earned) and the flexibility to choose a term that fits your investment needs. We offer standard and specialty certificates.
Features of Standard and Specialty CDs:
- $500 minimum investment
- 3 months to 5 year terms
- Penalties apply for early withdrawal (90 days on terms of 12 months or less. 180 days on terms greater than 12 months.
Specialty Certificates
Women & Children Term Certificate
When you open a Women & Children term certificate, your savings will be invested in homes, businesses, nonprofits, and financial products that enable women to create opportunities for themselves and their families. Show your support for the work we do to improve the lives of women and children through ownership opportunities, the funding of strong community facilities, and by providing responsible consumer financial services.
Green Term Certificate
By opening a Green term certificate, you will support our lending to a wide range of sustainable development projects. These projects prove that environmental concerns can be integrated with economic and social equity goals to produce triple bottom line results.
Self-Help is a national leader in the practice of financing community development projects that preserve our natural resources. We make loans and provide technical assistance to environmental businesses and nonprofits involved in:
- Recycling
- Sustainable agriculture/organic farms
- Sustainable forestry
- Land conservation
- Eco-tourism
- Solar and renewable energy
- Green retail
- Environmental technology
Additionally, our affordable housing and commercial real estate development employ the use of green building practices to decrease resource usage and make buildings healthier.
Economic Development Term Certificate
In choosing to open an Economic Development term certificate you to accept to receive a below market rate return on your certificate in favor of providing Self-Help with the ability to utilize more of your investment in pursuit of our work to bring ownership and economic opportunities to more low-wealth families. A Self-Help representative will help you choose a rate.
Interest rates offered on term certificates are subject to change daily. Your term certificate will receive the rate that's in effect on the day we receive your deposit.
Credit union deposits are insured up to $250,000 by the National Credit Union Administration (NCUA). NCUA is the equivalent of the FDIC for credit unions.
