TMOFCU members may save with Certificates of Deposit (CD’s) which earn higher dividends than regular savings. TMOFCU CD’s require a minimum deposit of $1,000 to open. Terms available are: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months and 60 months.

College, Scottie, and Starter Saver Certificates require a $500 minimum deposit to open and renew every 12 months.