- 104 E Maple St PO Box 100 Spooner, WI 54801
Share Certificates offer a fixed annual percentage yield (APY) for a fixed period or term. Our Share Certificates offer better rates than our share accounts. A Share Certificate may be a good investment choice for you if:
Planning for your future means choosing savings options that match your goals. A Traditional Share Certificate offers the stability of a fixed dividend and the reassurance of insured funds, making it an ideal choice for disciplined savers who value steady, reliable growth.
| Term | Minimum Deposit | Dividend Rate | Annual Percentage Yield | Dividend Paid |
|---|---|---|---|---|
| 180 Day | $1,000 | 1.48% | 1.49% | At Maturity |
| 12 Month | $1,000 | 2.47% | 2.49% | Calendar Quarter |
| 18 Month | $1,000 | 2.17% | 2.19% | Calendar Quarter |
| 24 Month | $1,000 | 2.27% | 2.29% | Calendar Quarter |
| 36 Month | $1,000 | 2.33% | 2.35% | Calendar Quarter |
| 48 Month | $5,000 | 2.37% | 2.39% | Calendar Quarter |
| 60 Month | $10,000 | 2.43% | 2.45% | Calendar Quarter |
*Early withdrawals penalties may apply.
A Youth Share Certificate helps young savers gain confidence with their money while building a strong start toward their future goals. Backed by secure, insured deposits and predictable returns, it’s an excellent way to combine education and financial growth.
| Term | Minimum Deposit | Dividend Rate | Annual Percentage Yield | Dividend Paid |
|---|---|---|---|---|
| 180 day | $25 | 2.48% | 2.50% | At Maturity |
| 12 Month | $25 | 3.47% | 3.51% | Calendar Quarter |
*Early withdrawals penalties may apply.
Retirement planning is about knowing your future is secure. An IRA Share Certificate gives you the advantage of fixed dividends and guaranteed growth, allowing your contributions to work harder over time. It’s a reliable choice for those who want to strengthen their retirement nest egg.
| Term | Minimum Deposit | Dividend Rate | Annual Percentage Yield | Dividend Paid |
|---|---|---|---|---|
| 18 Month | $1,000 | 2.17% | 2.19% | Calendar Quarter |
| 24 Month | $1,000 | 2.27% | 2.29% | Calendar Quarter |
| 36 Month | $1,000 | 2.33% | 2.35% | Calendar Quarter |
| 48 Month | $5,000 | 2.37% | 2.39% | Calendar Quarter |
| 60 Month | $10,000 | 2.43% | 2.45% | Calendar Quarter |
*Early withdrawals penalties may apply.
** Check with your tax attorney or accountant for specific IRA rules.
Federally Insured by NCUA and an Equal Housing Lender. We do business in accordance with the Fair Housing and Equal Credit Opportunity Act. NMLS #464571
*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan.
**APY = Annual Percentage Yield. Rates are subject to change at any time and are not guaranteed.
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