Certificate of Deposit

At Financial Plus, we deeply value the trust our members place in us, and the opportunity we have to serve you. We take pride in being one of the safest places to keep your money and being named one of the strongest financial institutions in the nation by independent ratings firm, BauerFinancial. And remember, your funds are Federally Insured by the NCUA.

Start-N-Grow CD

Don’t have a lot of money to put away right now? Don’t let that stop you from starting to save for the future. All it takes is just $300 with our Start ‘N Grow CD. Here’s how it works:

• You deposit a minimum of $300 into a CD with a term of 24 months.
• We help you set up a monthly automatic transfer of at least $50 (and no more than $300) from your checking or savings.
• You cannot withdraw the funds during the 24 months term without being charged a penalty (an incentive for you to save).
• At the end of the 24 month term, if you do nothing, the certificate will automatically renew into another 24 month certificate.

Ask any of our staff for more information on this certificate or any of our other certificate options.

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Traditional IRA

A Traditional IRA certificate is used for money that has not yet been taxed (pre-tax dollars). Your pre-tax dollars grow and compound without being taxed until the day that you withdraw them. You may begin withdrawing the funds at age 59 ½ and will be required to begin making annual withdrawals, sometimes called “required minimum distributions” the year in which you turn 70 ½. Most of our regular CD rates and terms apply to traditional IRAs as well.

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Roth IRA

An individual retirement account allowing a person to set aside after-tax income up to a specified amount each year. Earnings on the account and withdrawals after age 59 1/2 are tax-free. Consult a tax professional for additional restrictions which may apply. 

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