"Keeping Our Railroad Family On Track"
Term Share (CD) Rates
| 6 MONTHS | 10 MONTHS | 12 MONTHS | 24 MONTHS | 36 MONTHS | |
|---|---|---|---|---|---|
| RATE | 2.25% | 5.25%* | 4.10%* | 2.75% | 3.15% |
| APY | 2.27% | 5.35%* | 4.16%* | 2.78% | 3.19% |
*Limited Time Rates
| TERMS | MINIMUM | EARLY WITHDRAWAL PENALTY |
|---|---|---|
| 6 mo. | $1,000 | 90 Days interest on amount withdrawn |
| 10 mo. | $500 | 90 Days interest on amount withdrawn |
| 12 mo. | $1,000 | 90 Days interest on amount withdrawn |
| 24 mo. | $1,000 | 180 Days interest on amount withdrawn |
| 36 mo. | $1,000 | 180 Days interest on amount withdrawn |
| 48 mo. | $1,000 | 180 Days interest on amount withdrawn |
| 60 mo. | $1,000 | 180 Days interest on amount withdrawn |
Term Share accounts will automatically roll-over at maturity at the current market rate and have a 10-day grace period. Dividends are paid and/or compounded quarterly. Dividends may be compounded, transferred to another share account or mailed at the end of each quarter. Members who choose to transfer or mail their dividends will receive the stated dividend rate, not the APY.
The 10 Month New Money Term Share Special Certificate is NOT renewable, the balance will transfer to your share account at maturity.
Fees may reduce the earnings on dividend-earning accounts. Please refer to the Truth-in-Savings disclosure for Term Share Certificate details. Rates above are effective as of 05/25/2023. Rates are subject to change at any time. For the most current rate information call us at 505-864-4740 or toll free 844-655-0376.
Contact Us to Open a Term Share:
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