SHARE CERTIFICATES
A share certificate works much like a certificate of deposit (CD). Certificates generally earn higher yields, and are subject to early withdrawal penalties. Dividends are compounded monthly. Forest Kraft now offers regular share certificates, Crown Service certificates for deposits of more than $50,000, and First Choice certificates which pay higher yields to those who have two of the following three services: a loan, a checking (share draft) account, or a Forest Kraft VISA. Share certificates are available in 3, 6, 12, 18, 24, 36, 48, and 60 month terms. Except for Crown Service, the minimum deposit needed for a share certificate is $1,000