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Certificate of Deposit

The Advantage of Certificates of Deposit...

A Certificate of Deposit is a savings vehicle that offers the opportunity for you to receive a higher, guaranteed rate of interest when the principle is left untouched for a predetermined period of time. CDs are available in terms from 2 months to 72 months.

  • The minimum deposit to open a CD is $500.
  • Your CD interest is compounded and paid monthly.
  • Your CD balances, including your earnings, are included on your statement and are also available via the telephone banking system and online banking.
  • You will be notified by mail before your CD matures.
  • When your CD term has matured, you have 10 calendar days to decide what to do with these funds. If you do nothing in this 10 day window, the funds will automatically renew as a CD for the same term and at the current interest rate.
  • If you make an early withdrawal, you will pay a penalty.