If you have some extra money sitting in your savings account and it's earning a low interest rate, a share certificate may be the answer for you! For a minimum of $500, and terms as short as six month, you can earn higher interest rates than what you'd earn with a regular share account.

You may choose from six month, one year, 18 month, two year, three year or five year share certificates. A minimum balance of $500 is all you need to establish this account. Dividend rates vary based upon the account type chosen and are fixed for the term.