Term Share Certificates

Put part of your savings or retirement funds in an investment with a guaranteed return. Certificates are a reliable, safe way to invest your hard-earned money. With a variety of terms and rates, and frequent specials, you can choose an investment plan that is right for your financial needs. And, your investment is insured up to $250,000 so you can rest easy that your money is working hard for you.

   Low $500 Minimum Balance required to open
    Flexible terms from 6 to 60 months*
    Higher Dividends for Higher Balances
    Dividends paid Quarterly and at Maturity

IRAs at Western Vista
An Individual Retirement Account helps you save for the future, and can give you both immediate and future tax saving benefits.

Whether you choose a Traditional IRA, Roth IRA or Education IRA, Western Vista has flexible and high yielding IRA accounts for you. These IRA accounts and IRA certificates of deposit are fully insured by the NCUA for up to $250,000.

* IRA Savings Account. A special share savings account that pays high dividends, with flexibility and dividend rates that may rise or fall with the market.
* IRA Share Certificate. Lock in our highest dividend rates for 6,12, 24, 36, 48 or 60 months. Western Vista's IRA Certificates have a $500 minimum deposit. There is a substantial penalty for early withdrawal.

Traditional IRA Accounts
Save up to $4,000 per year for tax years 2006 through 2007 in a traditional IRA. This IRA may be tax deductible in the year of contribution, but any withdrawals are taxed as income. If you are not eligible for a tax deduction, due to high income or participation in another retirement plan, you should consider the Roth IRA.

For additional information about traditional IRAs, please contact your financial adviser.

Roth IRA Accounts
Save up to $4,000 per year in a Roth IRA. The Roth IRA provides no tax deduction for contributions, but if you meet certain requirements, all earnings are tax free when you or your beneficiaries withdraw them. Other benefits include avoiding the early distribution penalty on certain withdrawals, and avoiding the need to take minimum distributions after age 70 1/2. If you cannot take a tax deduction for a traditional IRA contribution, you should consider the Roth IRA.

For additional information about Roth IRAs, please contact your financial adviser.

Education IRA Accounts
Save up to $2,000 per year, per child in an Education IRA. The Education IRA provides no tax deduction for contributions, but if you meet certain requirements, all earnings are tax free when you or your beneficiary withdraw them and use them for qualified education expenses.

For additional information about Education IRAs, please your financial adviser.

* Substantial penalty for early withdrawal