Cinfed Certificate Accounts

Certificate Accounts at Cinfed

Lock in the highest rates for your long-term investments. Choose from a wide variety of terms to suit your investment needs. Terms range from six months to 60 months. The minimum required for a certificate investment is $500. Whether you're saving for Retirement or just a rainy day Cinfed Certificate accounts offer great returns. Open a Certificate account and your rate is locked in for the term of the Certificate.


Certificate Accounts
Rate	Click for Rate
Minimum Balance	$500.00
Available Terms	3-, 6-, 12-, 24-,36-, 48-, 60-Months
Availability	A penalty may be imposed for withdrawals before maturity
Additional Deposits	None
Grace Period	10-days past maturity date
Dividend Method	Posted quarterly and paid on the average daily balance
Compounding Method	Quarterly
At Maturity	Automatically renewed at rate available on maturity date

Smart30 Certificates
We have added a twist to our traditional certificate. Saving money isn't the easiest habit to learn. But, with Cinfed's Smart30 you can change those bad savings habits. Open a Smart30 certificate with only $50 and make deposits anytime, even through direct deposit. Plus you have the added flexibility of making one penalty-free withdrawal during the 30-month term. You can earn higher interest than a traditional savings account. There's no easier way to start saving. Cinfed's Smart30 is just that. . . smart! Federally insured by NCUA. One withdrawal per 30-month term without penalty. Limit of one Smart30 per member.
Rate	Click for Rate
Minimum Balance	$50.00
Maximum Balance	$15,000.00