Shell New Orleans FCU - Products and Services - Savings Accounts

MARKET INDEX CERTIFICATE

Do you want to earn market level returns, but you're afraid of the risk of losing your principal investment? The Market Index Certificate is a certificate account or individual retirement account (IRA) investment that could be the right investment choice for you!

This insured credit union certificate pays dividends based on the movement of the Standard & Poor's 500 Composite Stock Price Index (S&P 500). It allows you to participate in the stock market without risking your deposit. If the S&P 500 is higher on the day the certificate matures than on the day it was established, you earn a percentage of the increase. If the S&P 500 is the same or lower, no dividends are earned but the deposit is returned to you. You can choose either a 2 or 4 year term.

There are few investments that give you the opportunity to earn stock market returns with the safety of an insured deposit - an attractive combination. The Market Index Certificate, will provide you with:

Opportunity: you can share in the gains of the stock market, which is important to long- term growth of retirement savings,
Protection: your deposit is returned even if the S&P 500 declines,
Safety: the deposit is insured up to your credit union's applicable limits,
Choices: your credit union provides investment alternatives,
Flexibility: a choice of 2 or 4-year certificates and
No fees: you pay no sales or investment management fees.

For more information, call the Member Services Department at (504) 728-4853, or toll-free, (866) 287-7478.