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SHARE CERTIFICATES t$10,000.00 minimum requirement with a wide range of terms available Annual Percentage Yields are quoted on the CD & Loan Rates page. Interest is compounded quarterly.  You may elect to have the interest compound, then deposited in your share account, or have the interest sent directly to you each month. Early withdrawal penalties: We may impose a penalty if you withdraw from your account before the maturity date.  The amount of early withdrawal penalty for your account is 90 days dividend. Individual Retirement Accounts (IRAs) You have a choice of IRAs: Traditional and Roth Both accumulation and certificate type of accounts are available: $25.00 minimum on IRA shares $10,000.00 minimum or IRA certificates Your IRA account(s) may be subject to penalties under the IRS Code for withdrawals you make prior to the age of 59 years.  Refer to your agreement ©2010 Cherokee County Teachers Federal Credit Union