Smart Start Certificates 
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Designed to encourage thrift
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Earns a higher dividend rate on every dollar in your Smart Start Certificate
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Save a minimum of $25 per week (no maximum) through automated transfer or payroll direct deposit for a period of 12 months
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At the end of 12 months you will have saved a minimum of $1,300
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If you roll this balance into the same program for another 12 months, LCU will make your first deposit, up to $25
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A fee of $25 per withdrawal will apply if a withdrawal occurs during the 12 month period
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Make it a ROTH IRA Smart Start Certificate and receive the same benefits on your retirement funds. Ask for details
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Amount of automated transfer can be changed at any time.
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