Certificate of Deposit

Certificate of DepositWith our Certificates of Deposit, you decide how long you want to invest your money and how much money you want to invest. We offer a variety of terms providing just the right length for every savings plan.

We've designed a wide range of CD alternatives with your savings style in mind. Select from traditional, fixed rate CDs to one of our more flexible alternatives. Whichever you choose, you're sure to find the right product to meet your needs. Rates on all of our CDs are updated regularly to reflect market conditions.

  • Interest compounded, deposited to an account, transferred or paid by check.
  • Terms vary up to 60 months.
  • Minimum balance requirements and substantial penalties for early withdrawal vary based on term or type of certificate.
  • Interest rates subject to change at maturity.

Please contact us for Certificate of Deposit rates on $100,000.00 or over.

Information About Procedures for Opening a New Account

Certificate of Deposit Rates

Rates effective: April 16, 2013

Term Minimum Deposit APR* APY** $50,000
APR*
& Over
APY**
7-31 days $1,000.00 0.15% 0.15% 0.20% 0.20%
91 days $1,000.00 0.15% 0.15% 0.20% 0.20%
182 days $1,000.00 0.20% 0.20% 0.25% 0.25%
1 year $500.00 0.40% 0.40% 0.45% 0.45%
1 1/2 year $500.00 0.40% 0.40% 0.45% 0.45%
2 years $500.00 0.50% 0.50% 0.55% 0.55%
2 1/2 years $500.00 0.50% 0.50% 0.55% 0.55%
3 years $500.00 0.65% 0.65% 0.70% 0.70%
4 years $500.00 1.00% 1.01% 1.05% 1.06%
5 years $500.00 1.25% 1.26% 1.30% 1.31%

Please see a Bank Representative for full details. Rates and terms subject to change at bank discretion. All interest rates are compounded daily. Penalty may be imposed for early withdrawal on certificate of deposit.

APY**: Annual Percentage Yield
APR*: Annual Percentage Rate