Share Certificates are like putting something in the freezer. You don't want it back until it's ice cold. When you buy a Share Certificate, all you're really doing is putting money in a special freezer - oops, we mean account. While it sits there, it earns money. When it's as cold as it can get, it has matured.

   Just like with people, some Share Certificates mature faster than others. We have Share Certificates that mature in 6 months while others don't mature for two years. There are lots of options, depending on how long you're prepared to wait. The longer it takes a Share Certificate to mature, the more money it earns for you. When you agree to a length of time for your certificate, you know that you'll be earning a good rate that doesn't change for that whole period. We let you know fifteen days before your certificate is mature so you can take the money out - what you started with plus what you earned - or start a new term and keep earning.

   You need a minimum of $200 to start a Share Certificate. And you need patience. If you take out the money before the term is up you have to pay a penalty. But if you can chill while your money does too, then a Share Certificate might be just what you want.

Open a Christmas Club account and you'll be ready when it's time to shop for the holidays. You can put money into your Christmas Club account throughout the year. On November 1st, the money you've saved will be available for you to spread a little holiday cheer.