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Share Certificates offer maturity periods ranging from three months to five years with a low minimum of only $500.00. We have some of the best rates in town. Check them out! IRA and IRA Certificate Accounts Individual Retirement Accounts (IRAs) offer the luxury of tax-deferred earnings, which cuts your tax bill each year while you save for your goals. Plus, you may even be eligible for tax-free earnings through Education or Roth IRAs, or tax deductible contributions through traditional IRAs. You can roll over or transfer IRAs from other institutions to Telco. To help you prepare for retirement, you can use our Retirement Calculator. Also, take a look at our great IRA rates.
 Use our Retirement Calculator to help you determine the amount of money to save each year in order to achieve your financial goals; Dividends are compounded daily and credited to the account monthly; Dividends can be paid to the member directly, mailed to the member each month, or put into another account every month rather than credited to this account; Members having Share Certificates with maturities from two to five years have the option of exchanging the existing rate for the current rate once during the term of the certificate; On date of maturity, the member can renew at the current rate, transfer, or withdraw the funds; and Withdrawals made before the maturity date will be subject to penalties.
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