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Save with a Purpose

Deciding to beef up your savings is a great decision, but without a clear goal, it can be difficult to actually get motivated to take action.

So what does a savings goal entail? Well, it’s more than just to save money or have a certain amount in your account. The key is to pick something you want in or for your life and then figure out the best way to save toward making that happen!

Have you always dreamed of taking a tropical vacation or skiing in the Alps? Maybe you want to kick start a college savings fund for a loved one. Or maybe you know you’ll want a new car a few years down the road.

Whatever that something special you’re saving for is, it’s important to find a place to put the funds for it, and then leave them alone! Sometimes a checking or regular savings account makes it too easy to make withdrawals while your money is supposed to be growing, meaning you miss out on potential dividends.

A share certificate is a great option when it comes to growing funds for the future, because while the certificate matures, you aren’t withdrawing funds with your debit or ATM card. Instead, you’re letting that deposit grow, and when it matures, you’ll have a great nest egg to work from!

You can find current certificate rates at NerdWallet, and then check out Xceed’s current share certificate options.

So, what are you waiting for? Get on the road towards that next special something today!

*APY (Annual Percentage Yield) is current as of 2/14/18. $500 minimum balance required to earn the APY and to open the account. Share and IRA Share Certificate must be opened by 3/30/18 to qualify. Offer not valid on business accounts. No additional deposits accepted during certificate term. Fees incurred may reduce earnings on accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Rates, terms, and conditions subject to change at any time. Ask an associate for details. At maturity, the 15 month certificate, including dividends will automatically renew into a 12 month share certificate or IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us to do otherwise before the end of the grace period. Promotional offer cannot be combined with any other offer.

**APY (Annual Percentage Yield) is current as of 1/3/18. $500 minimum balance required to earn the APY and to open the account. Share and IRA Share Certificate must be opened by 3/30/18 to qualify. Offer not valid on business accounts. No additional deposits accepted during certificate term. Fees incurred may reduce earnings on accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Rates, terms, and conditions subject to change at any time. Ask an associate for details. At maturity, the 30 month certificate, including dividends will automatically renew into a 24 month share certificate or IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us to do otherwise before the end of the grace period. Promotional offer cannot be combined with any other offer.

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