Certificates of Deposit

 

91 Day Certificate

91 Day Certificate of Deposit with a minimum initial deposit of $7,500.00.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term of the account. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be credited quarterly. We will mail the interest checks to you.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily period rate on the principle in the account each day. You must maintain a minimum balance of $7,500.00 in the account each day to obtain the disclosed annual percentage rate.

Limitations: You must deposit $7,500.00 to open this account. Additional deposits can be made at the time of maturity only. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 91 Days. If you withdraw any of the principle before the maturity date, we may impose a penalty of LOSS OF 31 DAYS INTEREST UPON EARLY WITHDRAWAL. You may obtain the account with or without an automatic renewal feature. You must tell us which type of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 CALENDAR DAYS after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be placed in a non-interest account.

182 Day Certificate

182 Day Certificate of Deposit with a minimum initial deposit of $10,000.00.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term of the account. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be credited quarterly. We will mail the interest checks to you or deposit the interest in an account that you designate.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily period rate on the principle in the account each day. You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage rate.

Limitations: You must deposit $10,000.00 to open this account. Additional deposits can be made at the time of maturity only. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 182 Days. If you withdraw any of the principle before the maturity date, we may impose a penalty of LOSS OF 31 DAYS INTEREST UPON EARLY WITHDRAWAL. You may obtain the account with or without an automatic renewal feature. You must tell us which type of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 CALENDAR DAYS after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be placed in a non-interest account.

12 Month Certificate

12 Month Certificate of Deposit with a minimum initial deposit of $500.00.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term of the account. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually. We will mail the interest checks to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain in deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily period rate on the principle in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage rate.

Limitations: You must deposit $500.00 to open this account. Additional deposits can be made at the time of maturity only. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 12 Months. If you withdraw any of the principle before the maturity date, we may impose a penalty of LOSS OF 31 DAYS INTEREST UPON EARLY WITHDRAWAL. You may obtain the account with or without an automatic renewal feature. You must tell us which type of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 CALENDAR DAYS after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be placed in a non-interest account.

12 Month Certificate (Over 10)

12 Month Certificate of Deposit with a minimum initial deposit of $10,000.00.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term of the account. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually. We will mail the interest checks to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain in deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily period rate on the principle in the account each day. You must maintain a minimum balance of $10,000.00 in the account each day to obtain the disclosed annual percentage rate.

Limitations: You must deposit $10,000.00 to open this account. Additional deposits can be made at the time of maturity only. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 12 Months. If you withdraw any of the principle before the maturity date, we may impose a penalty of LOSS OF 31 DAYS INTEREST UPON EARLY WITHDRAWAL. You may obtain the account with or without an automatic renewal feature. You must tell us which type of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 CALENDAR DAYS after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be placed in a non-interest account.

18 Month Certificate

18 Month Certificate of Deposit with a minimum initial deposit of $500.00.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term of the account. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually. We will mail the interest checks to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain in deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily period rate on the principle in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage rate.

Limitations: You must deposit $500.00 to open this account. Additional deposits can be made at the time of maturity only. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 18 Months. If you withdraw any of the principle before the maturity date, we may impose a penalty of LOSS OF 90 DAYS INTEREST UPON EARLY WITHDRAWAL. You may obtain the account with or without an automatic renewal feature. You must tell us which type of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 CALENDAR DAYS after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be placed in a non-interest account.

24 Month Certificate

24 Month Certificate of Deposit with a minimum initial deposit of $500.00.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term of the account. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually. We will mail the interest checks to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain in deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily period rate on the principle in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage rate.

Limitations: You must deposit $500.00 to open this account. Additional deposits can be made at the time of maturity only. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 24 Months. If you withdraw any of the principle before the maturity date, we may impose a penalty of LOSS OF 90 DAYS INTEREST UPON EARLY WITHDRAWAL. You may obtain the account with or without an automatic renewal feature. You must tell us which type of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 CALENDAR DAYS after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be placed in a non-interest account.

36 Month Certificate

36 Month Certificate of Deposit with a minimum initial deposit of $500.00.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term of the account. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually. We will mail the interest checks to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain in deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily period rate on the principle in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage rate.

Limitations: You must deposit $500.00 to open this account. Additional deposits can be made at the time of maturity only. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 36 Months. If you withdraw any of the principle before the maturity date, we may impose a penalty of LOSS OF 90 DAYS INTEREST UPON EARLY WITHDRAWAL. You may obtain the account with or without an automatic renewal feature. You must tell us which type of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 CALENDAR DAYS after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be placed in a non-interest account.

48 Month Certificate

48 Month Certificate of Deposit with a minimum initial deposit of $500.00.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term of the account. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded annually. We will mail the interest checks to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain in deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily period rate on the principle in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage rate.

Limitations: You must deposit $500.00 to open this account. Additional deposits can be made at the time of maturity only. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 48 Months. If you withdraw any of the principle before the maturity date, we may impose a penalty of LOSS OF 90 DAYS INTEREST UPON EARLY WITHDRAWAL. You may obtain the account with or without an automatic renewal feature. You must tell us which type of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 CALENDAR DAYS after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be placed in a non-interest account.

60 Month Certificate

60 Month Certificate of Deposit with a minimum initial deposit of $500.00.

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for the term of the account. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded annually. We will mail the interest checks to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain in deposit until maturity. A withdrawal will reduce earnings.

Balance Information: We use the daily balance method to calculate the interest on this account. This method applies a daily period rate on the principle in the account each day. You must maintain a minimum balance of $500.00 in the account each day to obtain the disclosed annual percentage rate.

Limitations: You must deposit $500.00 to open this account. Additional deposits can be made at the time of maturity only. You may not make withdrawals from your account until the maturity date.

Time Account Information: Your account will mature in 60 Months. If you withdraw any of the principle before the maturity date, we may impose a penalty of LOSS OF 90 DAYS INTEREST UPON EARLY WITHDRAWAL. You may obtain the account with or without an automatic renewal feature. You must tell us which type of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 CALENDAR DAYS after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will be placed in a non-interest account.