Saving money is safe and easy with BFCU. There's a certificate to suit every investor, and each one earns a competitive dividend rate in relation to financial institutions in the local market. Dividends can be added to the certificate, deposited into your Share or Share Draft account, or taken in the form of a check.

Choose from a variety of fixed rate certificates with terms from 90 days to 4 years. For investors looking for security and flexibility, there's a 1-year Trade-A-Rate certificate that allows you to trade up to a better rate, if available, once during the 1-year term. The Trade-A-Rate certificate also allows you to make one penalty-free withdrawal during the term, and allows you to make minimum deposits of $100 at any time.

For our youngest investors there's the Youth Savers Certificate. Available for members from birth through age 18, this 24-month certificate features a low minimum deposit to open and one penalty-free withdrawal during the term of the certificate. Once opened, members can make minimum deposits of $50 at any time.

Customize your own investment vehicle with a Variable Rate certificate. The variable rate you earn is determined by the term you select, available in monthly increments from 3 months to 48 months. Variable rates are subject to change monthly. Please contact the Credit Union for current rates.

Your savings are insured to $250,000 by the National Credit Union Administration (NCUA), a federal government agency, at no cost to you.

IRA certificates give you the opportunity to build a retirement nest egg so that you can maintain a secure, comfortable lifestyle. Earnings are tax-deferred until withdrawal. At maturity, IRA funds must be rolled over into another IRA account to avoid penalties for early withdrawal. For more information on IRAs, see a Member Service Representative at any BFCU office.

You choose the length of time to maturity and the amount you want to invest. Then sit back and watch your money grow!