Make a Smart Move

Keep your money safe and secure with Tyndall's Certificate Advantage.   With this investment program, you earn an additional 0.25% APY above our published Certificate rates and still have access to funds each year.

How?  It's pretty simple.

• The Certificate Advantage program consists of 5 separate Certificate Accounts with an equal dollar amount in each (minimum required deposit of $500 per Certificate):
  
  
  • a 1-Year Certificate,
  • a 2-Year Certificate,
  • a 3-Year Certificate,
  • a 4-Year Certificate, and
  • a 5-Year Certificate


• Each Certificate earns an additional 0.25% APY above Tyndall's published rate for that Certificate term.
  
  
  • For example, if the current APY for the 1-Year Certificate is 3.50%, your Certificate Advantage 1-Year Certificate will earn 3.75% APY.  If the 2-Year Certificate at that same time is 3.65%, your Certificate Advantage 2-Year Certificate will earn 3.90% APY, etc.


• As each Certificate matures, the funds are available for withdrawal.  Or, you may choose to let the Certificate automatically roll over for a 5-year term at whatever the published rate is on the date of maturity.

"Stacking" your Certificates in this manner enables you to have one Certificate maturing each year.  As each Certificate matures, you have penalty-free access to the funds in that Certificate.  If you choose to leave the Certificate alone, it will automatically roll over to a Regular 5-Year Certificate at the published rate on the date of maturity.

You even have dividend payment options available.  For more information, speak with a Financial Sales Representative at any of our branch locations or call us at
(850) 747-4300 (toll-free 888-896-3255).

Concerned about your IRA that is currently held in the stock market and mutual funds?

Make a smart move - bring your IRA to Tyndall.  Certificate Advantage is available for IRA Certificates, too, with the same 0.25% APY advantage (dividend payment options not available for IRA Certificates).

Certificate Advantage - Regular CertificateEffective Date: 11-18-2009
Term	Minimum Balance	Dividend Rate	APY1
12 Month	$500	2.23%	2.25%
24 Month	$500	2.72%	2.75%
36 Month	$500	2.96%	3.00%
48 Month	$500	3.45%	3.50%
60 Month	$500	3.93%	4.00%
1The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account. For all certificate accounts, a penalty may be imposed for early withdrawal. For all certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. Tyndall Federal Credit Union does not offer institutional certificates of deposit. Certificate Advantage rates are valid only when a member opens each of the 5 separate Certificate Accounts as specified as part of the Certificate Advantage program (minimum required deposit of $500 per Certificate; opened with an equal dollar amount in each)

Certificate Advantage - IRA CertificateEffective Date: 11-18-2009
Term	Minimum Balance	Dividend Rate	APY1
12 Month	$500	2.23%	2.25%
24 Month	$500	2.72%	2.75%
36 Month	$500	2.96%	3.00%
48 Month	$500	3.45%	3.50%
60 Month	$500	3.93%	4.00%
1The Annual Percentage Yield (APY) is accurate as of the last dividend declaration date. Rates are subject to change at the Credit Union's discretion. Fees may reduce earnings on the account. For all certificate accounts, a penalty may be imposed for early withdrawal. For all certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. Tyndall Federal Credit Union does not offer institutional certificates of deposit. Certificate Advantage rates are valid only when a member opens each of the 5 separate Certificate Accounts as specified as part of the Certificate Advantage program (minimum required deposit of $500 per Certificate; opened with an equal dollar amount in each)