Benefits of Women and Children Term Certificates Higher dividend rates than standard savings accounts Increased rates on longer-term term certificates Guaranteed returns for the length of your term Terms range from 3 months to 5 years Funds are NCUA-insured (up to $250,000) to protect your investment Early withdrawal penalties apply* $500 minimum deposit to open Plus, your deposit empowers women to create new opportunities and provide for their families. We support women who are building assets by opening their first savings accounts, starting their own businesses or buying homes. We also lend to child-care providers and finance facilities for public charter schools. *90 days on terms of 12 months or less. 180 days on terms greater than 12 months.