Certificate account, Money Market or savings account?

Members who want to earn interest on their money and want to access their money without fees or penalties.

Members who want to earn a higher interest rate on their money than offered by a Basic Savings Account, and who want to access their money without fees or penalties.

Members who want to earn more interest on their money than offered by a Basic Savings Account or Money Market, and who do not need to access their money during the period of the term.

Lowest of the three, subject to change.

Higher than a savings account, subject to change.

Highest of the three, stays constant for the duration of the term and is influenced by the length of the term and how much money is deposited into the Certificate account.

Open ended, does not apply.

Open ended, does not apply.

Is predetermined at time account is opened, ranges from 6-60 months

Unlimited deposits.

Unlimited deposits.

Once Certificate account is opened, no further deposits allowed until maturity.

Unlimited withdrawals.

Unlimited withdrawals.

Withdraw at the end of the term when the Certificate account matures. Can withdraw accrued interest prior to maturity. Withdrawing capital prior to maturity incurs a fee.

Low-to-no monthly fees depending on your account balance.

Low-to-no monthly fees depending on your account balance.

No monthly fees; will incur fee if redeemed prior to maturity.

Branch, ATM

Branch, ATM

Branch

Branch, ATM, online banking, PAT

Branch, ATM, online banking, PAT

Branch, online banking, PAT