Looking for the perfect time of year to start a monthly budget? Because of the demand it places on your finances, the holidays are a good time to start thinking about ways to better manage your money in the new year.

With timed payouts, federally insured certificates allow you to enjoy guaranteed returns and are virtually risk-free. But, if you’ve never bought a certificate before, there’s a little bit of a learning curve. 

Lonnie King doesn’t have any trouble sleeping. He doesn’t have nightmares about a major correction in the stock market; he’s not concerned about the bond market and whether rates are going up or down; and he certainly doesn’t care whether hedge-fund managers are making or losing billions of dollars.

The holiday season is meant to be a fun and joyous time. It brings families and friends together for parties, gifts, special meals and  reunions. It’s also the biggest season of the year for retailers. In 2016, Americans spent more than $655 billion¹ during the holiday season, and forecasters expect that number to increase in 2017.  

We’re grateful for the opportunity to make a difference in your community.