Advantage One can help you save for your future.
Certificates of Deposit
Flexible Terms
Competitive Rates
Minimum Deposit of $1,000
Insured by the NCUA
IRA Share Certificates
Traditional or Roth IRA
Terms from 1 to 5 years
Minimum Deposit of $1,000
Potential Tax Benefits
Certificates of Deposit
Whether you're saving for college, retirement, or something special for your family, Advantage One offers a safe way to make some extra money. Whether you decide on a short-term or a long term, you'll earn more than you would with a traditional savings account. And generally, the longer you save, the more you'll end up with.
Flexible terms from six months to five years
Competitive fixed rates with dividends compounded quarterly
Minimum deposit of $1,000
Certificates are federally insured by the NCUA
Automatic renewal options
Can serve as collateral on personal loans, possibly reducing your loan rate
Special certificates for youth account holders can be opened with as little as $50, and additional contributions of $25 or more can be added at any time
IRA Share Certificates
Your golden years lie ahead, and you want to make sure you have the resources to live comfortably. IRA Share Certificates make an excellent addition to your retirement portfolio, offering both predictable returns and potential tax advantages (please consult a tax advisor for additional tax information).
Choose from Traditional or Roth IRA Certificates
Terms range from one to five years
Minimum deposit of $1,000
Dividends are paid and compounded quarterly
Traditional IRAs may offer an annual tax deduction
With Roth IRAs, investments grow tax-free, and withdrawals are tax-free
Manage your IRA online
Certificate, IRA, & Money Market Rates
Rates accurate as of
Certificates**
| Product | APY* |
|---|---|
| 6-Month | % |
| 12-Month | % |
| 24-Month | % |
| 36-Month | % |
| 48-Month | % |
| 60-Month | % |
Youth Certificates****
| Produc | APY* |
|---|---|
| 6-Month Youth Certificate | % |
| 12-Month Youth Certificate | % |
Traditional & Roth IRA Certificates**
| Product | APY* |
|---|---|
| 12-Month | % |
| 24-Month | % |
| 36-Month | % |
| 48-Month | % |
| 60-Month | % |
Money Market Account*****
| Product | APY* |
|---|---|
| $1,500 - $24,999.99 | % |
| $25,000 - $49,999.99 | % |
| $50,000 - $74,999.99 | % |
| $75,000 - $99,999.99 | % |
| $100,000 + | % |
*APY = Annual Percentage Yield. APY is accurate as of date above.
**Dividends are paid and compounded quarterly on all certificate accounts. Regular share certificates minimum starting balance $1,000.00. Must maintain a minimum balance of $1,000 to obtain the disclosed annual percentage yield. Fees may reduce earnings. Terms and conditions may differ for specials. A penalty may be imposed for withdrawals before maturity. The fee we may impose will be applied using the following criteria: Term in Months - Minimum Penalty to Maximum Penalty • 0-12 Months - $25.00 min. to 90 days dividends max. • 13-24 Months - $25.00 min. to 180 days dividends max. • 25-36 Months - $25.00 min. to 180 days dividends max. • 37-48 Months - $25.00 min. to 270 days dividends max. • 49+ Months - $25.00 min. to 360 days dividends max.
***Dividends are paid and compounded quarterly on all certificate accounts. Regular share certificates minimum starting balance $1,000.00. Must maintain a minimum balance of $1,000 to obtain the disclosed annual percentage yield. Fees may reduce earnings. Account funds may not originate from any current Advantage One deposit account. A penalty may be imposed for withdrawals before maturity. The fee we may impose will be applied using the following criteria: Term in Months - Minimum Penalty to Maximum Penalty • 0-12 Months - $25.00 min. to 90 days dividends max. • 13-24 Months - $25.00 min. to 180 days dividends max. • 25-36 Months - $25.00 min. to 180 days dividends max. • 37-48 Months - $25.00 min. to 270 days dividends max. • 49+ Months - $25.00 min. to 360 days dividends max
****Dividends are paid and compounded quarterly on all certificate accounts. Youth certificates minimum starting balance $50.00. Youth Account certificates only available in 6 and 12 month terms. Terms and conditions may differ for specials. Fees may reduce earnings. One withdrawal allowed per term - then regular early withdraw penalties apply. The fee we may impose will be applied using the following criteria. Term in Months - Minimum Penalty to Maximum Penalty • 0-12 Months - $25.00 min. to 90 days dividends max. Must maintain a minimum balance of $50.00 to obtain the disclosed annual percentage yield. Fees may reduce earnings on the account.
*****Dividends are paid and compounded monthly. Must maintain a minimum balance of $1,500 to obtain the disclosed annual percentage yield. Withdrawals limited to four per calendar month. Withdrawals in excess of four per month will be charged a $25.00 excess withdrawal fee. No withdrawal minimum. Fees may reduce earnings.
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