Christmas is almost here.  Do any of you usually receive money for Christmas?  I thought I would share a little bit of information on what a Share Certificate is and why it might be a good place to save your money.  A Share Certificate gives you a guaranteed rate (usually higher than a regular savings account rate), it has a fixed term (amount of time in certificate), and it also requires a minimum deposit amount.  Most FORUM certificates require a $500 minimum deposit, but FORUM also offers an Aware Certificate for 0-19 year olds that has a lower minimum deposit requirement of only $100.  If you have an Aware Certificate, you can also make deposits of $20 or more at any time.  Money you save in a credit union certificate is insured by the NCUA (National Credit Union Administration).

What will you do with your Christmas money?  Would any of you consider putting some of your money in a Share Certificate?

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