With interest rates generally higher than a savings account, certificates guarantee a set rate of return over a set period of time, making them an attractive long term savings vehicle. You decide the life span of your certificate, with terms ranging from six months to seven years. The longer you invest, the higher your rate.

• Traditional Certificates¹ have a fixed rate and term, so you’ll know exactly what you’ll earn.
• Market-Linked Certificates² appreciate based on the performance of a market measure, an equity, or a commodities index.
• Add quarterly dividends to your savings account, checking account, or certificate’s balance.
• $1,000 minimum deposit to get started.
• Early withdrawal may result in a penalty.

Companies also need to borrow money—for infrastructure, new programs, or market expansion. That’s where you come in. When you support a company’s financial needs through stocks and bonds, you could be investing in your future income.¹

• Stocks are equity in a company, meaning that purchasing stocks makes you part owner. As a stockholder, you have voting rights and a share in the company’s future profits.
• Bonds are debt, meaning that purchasing bonds makes you a creditor. As a creditor, you have a higher claim on assets than a stockholder. You also get paid sooner if something happens to the company. However, bonds don’t give you a share in the company’s profits. Depending on the types of bonds you purchase, they can be taxable, federal, or state tax-free.

Investing in an annuity can be a great retirement option, especially if you’ve already contributed the maximum to other retirement accounts.

• Fixed Annuities¹ provide a guaranteed interest for a fixed term (typically one to ten years). Interest may accumulate or be withdrawn at any time, though you would pay taxes on the amount withdrawn.
• Fixed Index Annuities¹ are linked to the performance of a stock market index. Your earnings are limited to the gain percentage set by the insurance company, though your investment is protected in negative markets through a minimum guaranteed rate.
• Variable Annuities offer a potential higher rate of return but are susceptible to market fluctuation and loss of principal.
• Immediate Annuities generate guaranteed income upon purchase and over a set number of years. Your principal is returned to you with interest, regardless of market fluctuations, but you can’t access your assets as needed.

Managing your investments can be time-consuming and, at times, frustrating. We’ll take on the challenges for you. Our team of CFS advisors* can help you choose and manage an investment fund with your specific goals and risk tolerance in mind.¹

• A mutual fund is a professionally managed and diversified investment program. Shares price at the end of the day and typically can be bought or sold as needed.
• An exchange-traded fund (ETF) is a basket of securities that trades on a public exchange and prices throughout the day. ETFs provide diversification with the trading flexibility of stocks. Additional benefits include lower expense ratios, more transparency, and greater tax efficiency.

Saving for college tuition can be daunting, but investing even a few dollars a month can mean one less thing to worry about when moving your child into the dorms. A 529 College Savings Plan¹ has no minimum or maximum contribution requirements, and earnings are tax-free when used toward education.

• Earnings grow state and federal tax-free and won’t be taxed if used for education expenses.
• Contributions are tax-deductible in some states, including Oregon (up to annual limits).
• Change your contribution amount up to twice a year. No annual limits or minimum deposits.
• Enroll online and set up automatic investments.
• Unlike many savings plans, your beneficiary won’t have access to the funds, meaning the money will be used for its intended purpose.
• Note: If applying for financial aid, contributions toward a 529 Plan will be taken into account.