Term Share Certificates are fixed rate, time deposits that earn higher dividends than regular savings accounts.  Choose terms from 6 to 48 months and invest as little as $500.  Your dividends are paid and compound quarterly.
If you want to start a Term Share Certificate, but don't have $500, perhaps you can try our other certificate programs:

• Junior Term Share Certificate - with only $250 you can open this certificate.
• Building Block Term Share Certificate - with only $100 you can open this certificate.

Check out the latest rates here.

With the Building Block Certificate you may payroll deduct deposits of $20 or more monthly.  You'll earn a slightly higher dividend than regular savings and at the end of 18 months, you'll have more than $500 to place in another certificate.