Advantage Certificates

If you're looking to earn high interest rates on a short-term investment, look no further than an Advantage Certificate from REAL Financial Center®.

We will give you a 25 basis point bonus rate addition to the already competitive CD rates you receive for any Certificate of Deposit if your balance is $50,000 or more. Hurry, these rates aren't available anywhere else!

Certificate Rates

Certificate Rates (as of 7/1/08)

Minimum balance $500. Certificate rate step-up feature is available on all CDs except special offers.

6 months

2.00% APY*

1 year

2.15% APY*

2 years

2.30% APY*

3 years

2.40% APY*

4 years

2.50% APY*

5 years

2.60% APY*

Advantage Certificate
Add an extra .25 basis points to the certificate rate if your balance is $50,000 or more! (Does not include terms less than 12 months.)

*APY is annual percentage yield. Quoted rates are in effect as of 7/1/08 and subject to change. Certificate dividends are paid at maturity or annually.

Certificates for Young Members

No minimum balance required for kids. 

Additions for duration of the certificate are permitted. Rates are same as for regular certificates.

Do you have questions about saving for college, or concerns about protecting your identity? Check out our Tips page

Go with a Sure-Fire Investment!

We want to help you earn the most for your money. That's why we're offering a STEP-UP OPTION on all certificates of deposit with a term of 12 months or more*. It's a HOT deal!

At any point during the term of the certificate, you can exercise a one-time option to step up the dividend rate -- without cost or penalty.

No more worries about when to lock in the rate on your next certificate. This is a sure-fire investment! Stop by one of our offices and buy your STEP-UP Certificate today! 
* Regular Certificates only. 

Did You Know?
Your deposits are fully insured to at least $100,000. This deposit insurance protection is provided by the National Credit Union Administration (NCUA), an independent agency of the United States Government. For more information, visit www.ncua.gov.

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