Certificates of Deposit
Town & Country Credit Union offers certificates of deposit 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 Certificates: 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.

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

Health Savings Accounts

• Healthcare costs taking a bite out of your budget? An HSA may be just what you need.
• Includes a FREE VISA® Debit Card to easily access account funds
• Bring your HSA over from another institution, we accept rollovers
• Low annual cost of only $25 a year.