Certificates of Deposit (CD)
Town & Country Credit Union offers CDs with a $500 minimum deposit. You will earn higher rates than a regular savings account and have terms ranging from 3 months to 5 years.

Step-Up: When you purchase a CD with a term of 36 months or greater, you have the opportunity to “step-up” to the current rate any time during the term of the CD after the first year.

Growth Builder 12 Month CD
This CD is perfect for anyone ages 0-23 who is looking to maximize the returns on their savings in a shorter period of time. All you have to do is agree to leave your funds in the account for a minimum of 12 months and watch your earnings build each month. If you do have to withdraw your money early, there is a penalty of 180 days interest. However, that penalty is waived if the funds are used for educational expenses.

The minimum deposit to open a Growth Builder CD is just $200 making building savings easier than ever! Plus, unlike a typical CD, you can make additional deposits of over $25 at any time. That’s perfect for adding birthday money or other paychecks that you’d normally put in a savings account for later.

Retirement
If you are concerned about your future, having enough money for retirement, for medical expenses, or your children’s education an Individual Retirement Account (IRA) may be the answer.

There are three types of IRAs available:

• Traditional IRA
• Roth IRA
• Coverdell Education Savings Account

Each is tailored for a particular use and each has specific eligibility requirements.

Money Market Savings
A short term option for depositing excess savings without term restrictions.

• An average daily balance of $1,000 is required to earn a dividend
• Sum of all low balances must be at least $1,000 to avoid a monthly service charge
• Dividends are built on tiers; the higher the account balance, the higher the interest rate

Premium Money Market Savings

• An average daily balance of $25,000 is required to earn a dividend
• Minimum balance must be at least $25,000 to avoid a monthly service charge
• Requires Premium Checking Account or Progress Checking Account
• Dividends are built on tiers; the higher the account balance, the higher the interest rate

PeeWee Penguin Young Saver's Club

This savings club is for ages 0-12 and teaches youth the importance of saving and the rewards that come along with it.

• No minimum balance to open
• Dividend paid on all balances
• Annual Youth Week Celebration
• Birthday postcard and gift

	Pee Wee loves drawing and camping. He’s got a head for numbers, and enjoys helping penguins and people learn about money. He’s full of ideas for saving and making money, but sometimes he can’t resist splurging on a new comic book or fish milkshake. He wants to be the first penguin astronaut when he grows up, but he’s afraid of heights. He might become a math teacher  instead.
	Kiwi is Pee Wee’s big sister. She likes playing snow soccer, reading, and dancing to the latest music. Kiwi might be a little bossy sometimes, but she watches out for her little brothers, and tries to keep them out of trouble. Kiwi dreams of playing soccer in the Olympics one day. She also wants to be a famous writer, so Pee Wee is helping her learn how to save up money for college.
	Sheldon is Pee Wee’s baby brother. He might be little, but he’s really smart. Sheldon is always taking things apart and experimenting, but sometimes his contraptions and experiments get him into trouble. He wants to become a scientist and help save the environment. Pee Wee is helping Sheldon save up for his first chemistry set.