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Certificates & IRAs

A little bit of cash can lead to great things—such as a lot of cash. That’s why we offer long-term investment options such as certificates and individual retirement accounts (IRAs). We also offer several more investment options through our Financial Planning Center.

Term Share Certificates
Lock your money in for a period of time and enjoy higher dividend rates. Choose a term of 6 months or 12 months. After that time,you can choose to renew,or have us transfer your riches to your share account.

We offer both traditional and Roth IRAs,plus Coverdell Education Savings Accounts to send the kids to college. As the name “EZPay” suggests,there are several ways to add funds. You can make deposits up to the yearly limit through direct deposit or payroll deduction,or by cash or check. You can even roll over IRA funds from another financial institution.

IRA Certificates
These term share certificates are specifically for saving for an IRA. Contributions are limited to the value of the certificate until it reaches maturity. If you choose to renew,you can add extra cash.

Click here to see current rates.

Don’t worry. Your money is safe with us. Our savings accounts are insured to $100,000 by the National Credit Union Administration,an agency of the federal government. Our IRAs are insured separately to an additional $100,000.


  203 Booth Street
Elkton,MD 21921
410.398.0032 fax
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