Share & IRA Certificates
Our Certificates give you the best return for your money – and with flexible terms.
OTIS Share and IRA Certificates allow you to earn higher dividends on your funds than you would in a typical Savings Account. Open a Share Certificate with as little as $500, and have it mature on a date of your choice, with various terms from 6 to 60 months. Take your savings strategy to the next level today.
Please note: Withdrawing your funds before the duration of the pre-selected term will result in a penalty.
Share & IRA Fixed Rate Certificates
| Available Terms | Dividend Rate | Annual Percentage Yield | Minimum Required Balance |
|---|---|---|---|
| 6 Months | 3.78% | 3.85% | $500.00 |
| 12 Months | 3.93% | 4.00% | $500.00 |
| 24 Months | 3.54% | 3.60% | $500.00 |
| 36 Months | 3.59% | 3.65% | $500.00 |
| 48 Months | 3.64% | 3.70% | $500.00 |
| 60 Months | 3.69% | 3.75% | $500.00 |
There may be a substantial penalty for the early withdrawal of the principal of a Share or IRA Certificate.