Investing in the stock market gives you the potential for higher returns - if you are in a position to take the risk. Share/savings accounts and Certificates are safe and secure - but you may sacrifice earnings. Now there is an option that blends the best of both worlds and offers the potential for higher returns without the risk to your initial deposit.

The Market Index Certificate (MIC) is an insured Credit Union certificate that pays dividends based on the percentage change in the Dow Jones Industrial Average (DJIA) from the date you purchase the certificate until the date it matures.

If the DJIA rises, you receive a dividend based on the percentage increase. If it falls, don't worry... your principal is fully guaranteed!  MICs are affordable ($500 minimum), fully protected from risk, convenient, feature a greater potential for higher returns, and are available as both a plain Certificate and an IRA Certificate.