These certificates are ideal for the saver who wants a guaranteed return. Our certificates require a $2500 minimum deposit that may be invested for various terms. The rate in effect when the certificate is purchased is guaranteed until maturity. Higher rates are offered on certificates with a $10,000 minimum.

 

Market Index Certificates

3 Reasons the Market Index Certificate Makes Sense Today

1. With the stock market depressed, many of us have seen losses in our stock portfolios. The MEMBERS Market Index Certificate protects your original investment, even if the market goes down. Your deposit is insured, just like other deposits at the credit union.

2. The MEMBERS Market Index Certificate gives you the opportunity to earn more than traditional certificates, because dividends are based on increases in the stock market.

3. You pay no sales or investment management fees when you invest in a MEMBERS Market Index Certificate

The MEMBERS Market Index Certificate provides a unique way to balance security and opportunity as you diversify your investments. Here's how it works. If the Standard & Poor's 500 Composite Stock Price Index is higher on the day your certificate matures than on the day it was establilshed, you earn a percentage of the increase. If it's lower, you won't earn dividends, but your intial deposit will be returned. You have the opportunity for gain, but no risk of losing your principal.

 

Today's challenging financial environment calls for creative investment solutions. Call Leo, Brent or Deb at 1-800-383-3595 to find out if a MEMBERS Market Index Certificate makes sense for you.