Take your money to higher earnings. Share Certificates

Share Certificates

Whether you have a small nest egg or a large sum to invest, Tower has a Share Certificate to meet your needs.

  • Regular Share Certificates require a minimum deposit of $500 and offer terms of six months or one to five years.
  • Bump-up Share Certificates require a minimum deposit of $5,000 and offer terms of four and five years. If rates climb, "bump-up" to a higher rate once during the term.
  • Mini-jumbo Share Certificates require a minimum deposit of $20,000 and offer terms of four and five years.
  • Jumbo Share Certificates require a minimum deposit of $100,000 and offer terms ranging from 30 days to one year.

Dividend rates, and the corresponding earned Annual Percentage Yield (APY), are posted on the Web site weekly. Dividends are compounded and paid monthly and are automatically deposited to the Share Certificate account unless you select another payment option. Except for the 10-day grace period after maturity, any withdrawal of a Share Certificate will incur an early withdrawal penalty.

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