A CD offers low risk at a high return. Interest is compounded daily on our CDs.

• FDIC insured
• Guaranteed fixed rate
• Access to your money available before maturity
• Flexibility to choose the term that best suits your financial goals
• 24/7 access
  

• Additional deposits up to 50% of the original CD amount allowed
• One-time rate increase allowed
• One-time withdrawal of up to 25% of the original balance permitted
• $1,000 minimum opening deposit
• Automatic renewal at maturity with a 10-day grace period
• E-statement available at the end of June and December
• Bank by phone: toll-free 1-888-242-2659

• Penalty for early withdrawal in excess of one-time 25% of original balance based on CD term.
• Allows you investment flexibility in choosing a term that best fits your individual needs.

Penalties

Under the certificate agreement, you agree not to withdraw the principal during the certificate term. A withdraw of principal, prior to maturity, will result in a monetary penalty be charged. The penalty applies regardless of the amount of interest earned, and could be more than the interest earned, depending on the length of the investment.  

*Note: Penalty may be waived upon the account holder’s death or incompetency (legal documents required).