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CDs
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CDs

The longer your term, the more you earn.

  • Open with $1,000
  • Choose terms from 3 months to 5 years
  • Ask about our 9- and 18-month "bump" CDs
  • Rate may change after account opening
  • Fees may reduce earnings

CDs & IRAs

* Annual Percentage Yield
Rates as of 6/20/2019

Term Minimum to Open Minimum to Earn APY Interest Rate APY*
3 Month $1,000 $1,000 0.100% 0.100%
$10,000 0.100% 0.100%
$50,000 0.100% 0.100%
$100,000 and up 0.100% 0.100%
6 Month $1,000 $1,000 0.150% 0.150%
$10,000 0.150% 0.150%
$50,000 0.150% 0.150%
$100,000 and up 0.150% 0.150%
9 Month $1,000 $1,000 0.200% 0.200%
$10,000 0.200% 0.200%
$50,000 0.200% 0.200%
$100,000 and up 0.200% 0.200%
12 Month** $1,000 $1,000 0.250% 0.250%
$10,000 0.250% 0.250%
$50,000 0.250% 0.250%
$100,000 and up 0.250% 0.250%
18 Month 20/20 Bump-Up $1,000 $1,000 0.300% 0.300%
$10,000 0.300% 0.300%
$50,000 0.300% 0.300%
$100,000 and up 0.300% 0.300%
24 Month $1,000 $1,000 0.400% 0.400%
$10,000 0.400% 0.400%
$50,000 0.400% 0.400%
$100,000 and up 0.400% 0.400%
30 Month $1,000 $1,000 0.450% 0.450%
$10,000 0.450% 0.450%
$50,000 0.450% 0.450%
$100,000 and up 0.450% 0.450%
36 Month $1,000 $1,000 0.600% 0.600%
$10,000 0.600% 0.600%
$50,000 0.600% 0.600%
$100,000 and up 0.600% 0.600%
48 Month $1,000 $1,000 0.800% 0.800%
$10,000 0.800% 0.800%
$50,000 0.800% 0.800%
$100,000 and up 0.800% 0.800%
60 Month $1,000 $1,000 1.000% 1.000%
$10,000 1.000% 1.000%
$50,000 1.000% 1.000%
$100,000 and up 1.000% 1.000%

Certificate of Deposits are subject to a substantial penalty for any withdrawal of principal prior to maturity. The penalty amount is equal to ninety (90) days interest on certificate of deposit terms of less than 12 months, one hundred and eighty (180) days interest on certificate of deposits with terms of 18 months but less than 36 months and three hundred and sixty (360) days interest on certificate of deposit terms of 36 months or greater whether earned or not, on the amount withdrawn at the nominal (simple) interest rate being paid on the account regardless of the length of time the funds withdrawn have remained in the account. This penalty will be waived in the event of the death of any Accountholder or when any Accountholder has been determined to be legally incompetent by a court or other administrative body. The stated yield for CDs of less than one year assumes the reinvestment of principal and interest at the same rate, although the rate may not be available upon renewal.

Interest on all accounts is compounded monthly from day of deposit to day of withdrawal and shall be credited to the account monthly.

Fees and other conditions may reduce the earnings on the account.

The Deposit Rates quoted are accurate as of the date at the top of this page. All deposit rates and annual percentage yields offered are subject to change without notice. For today's rates and yields, call us or visit one of our convenient locations.

For full account details, please contact the branch office most convenient to you or call our Customer Service Center at 860-688-8511.