Secure savings growth with Share Certificates from INOVA

 

Watch your savings grow with a great share certificate rate from INOVA!  With a low $200 deposit, you can receive higher dividends and choose the term that is best for your individual needs.  We offer both short and long term certificates with terms up to 6 years.  In general, the longer the term on the share certificate, the higher the dividend.  You can also earn premium dividend rates by making larger deposits.  And, unlike investments in the stock market, your combined savings (share savings, checking and certificate deposits) are federally insured to at least $250,000 through the National Credit Union Share Insurance Fund (NCUSIF) and backed by the full faith and credit of the United States Government.  Your IRA is insured for an additional $250,000 through the NCUSIF.

 

 

Certificate Program
Rates effective 08/06/2010 and are subject to change without notice
Term	Dividend Rate	APY* (Ranges)
91 Day	0.10%	0.10%
5 Month	0.10%	0.10%
6 Month	0.25%	0.25%
7 Month	0.25%	0.25%
1 Year	0.25%	0.25%
14 Month	0.35%	0.35%
18 Month	0.50%	0.50%
2 Year	0.75%	0.75%
3 Year	1.00%	1.00%
4 Year	1.98%	2.00%
5 Year	2.47%	2.50%
6 Year	2.52%	2.55%
Minimum Opening Deposit: Certificate, Step-Up Certificate, and 14 Month Special Certificate: $200.00

 

 

Step up Certificates

 

This flexible savings program allows you to change your certificate rate one time during the term.  If the rates go up – you’re covered!  You can “step up” to the higher rate! 

 

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Step-Up Certificate Program
Rates effective 08/06/2010 and are subject to change without notice
Term	Dividend Rate	APY* (Ranges)
91 Day	0.10%	0.10%
5 Month	0.10%	0.10%
6 Month	0.15%	0.15%
7 Month	0.15%	0.15%
1 Year	0.15%	0.15%
14 Month	0.25%	0.25%
18 Month	0.40%	0.40%
2 Year	0.65%	0.65%
3 Year	0.90%	0.90%
4 Year	1.88%	1.90%
5 Year	2.37%	2.40%
6 Year	2.42%	2.45%
Minimum Opening Deposit: Certificate, Step-Up Certificate, and 14 Month Special Certificate: $200.00

 

30 Day Certificates
Rates effective 08/06/2010 and are subject to change without notice
Term	Dividend Rate	APY* (Ranges)
30 Day	0.01%	0.01%
Minimum Opening Deposit: 30 Day Certificate: $200.00

 

*Annual Percentage Yield
Rates may vary and fees may reduce earnings -
Substantial Penalty for early withdrawal.