DreamBuilder Certificate Accounts

Start building your dreams today with as little as $100. With a minimum investment of just $100, you can start saving for the future while earning a higher Annual Percentage Yield (APY) than with traditional savings and club accounts. DreamBuilder Certificates mature in just 6 months! Call us or visit any branch to learn more.


Share certificates are available in terms from 90 Days to 5 years. The minimum opening deposit to earn interest for a share certificate is $500. We offer very competitive rates depending on the term of the certificate.

Individual Retirement Accounts (IRAs)

Plan for your future by opening an IRA. This account earns dividends which are tax-deferred. We offer IRA Share Certificate Accounts (6-month to 5-year terms available with $500 minimum opening deposit), IRA Accumulation Accounts (minimum $1 opening deposit), Traditional and Roth IRAs and Coverdell Educational Savings Accounts IRAs.

Money Market Accounts

Money market accounts provide the opportunity for you to build your balance and earn dividends while maintaining easy access to your funds. The minimum opening deposit to earn interest for a money market account is $2500. Your balance determines the rate of interest earned, so as you build your balance, you may increase your dividend rate.

For more specific information, please call our Member Service Call Center at (615) 743-3700 or toll-free at (800) 521-9653 or visit your local branch. You may also follow these links to view our current rates for Certificate & IRAs, IRA Accumulation Accounts, and Money Market Accounts online.