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. Certifcates are avaiable for Traditional and Roth IRA Investments as well. IRA Certificates generally pay slightly more than a non IRA Certificate!