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Certificates of Deposit 
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Certificates of Deposit

Certificates of deposit offer a safe, guaranteed rate of return, with a variety of maturity dates to coincide with your needs.  Interest rates on our savings accounts vary. An account representative can provide current interest rates and an account disclosure explaining interest calculation. There is a penalty if any CD is closed before the maturity date.

Traditional and Jumbo Certificates of Deposit
  • $500 minimum opening deposit for each of the following regular CDs: 3, 6, 12, 36, 48 or 60 months.
  • Jumbo CD - $50,000 minimum opening deposit
  • Funds are available at maturity.
  • Credited interest may be withdrawn anytime without penalty.
  • Interest on Regular CDs is compounded and credited to the account quarterly.
  • Interest on Jumbo CDs: For any Jumbo CD with a term of greater than 365 days, the interest will be compounded and credited annually at the end of the calendar year and then once again upon maturity. For any Jumbo CD with a term of less than 365 days, the interest will not be compounded but will be credited to the account only at maturity.
  • Penalty for early withdrawal.
EZ Access 12 Month Certificate of Deposit

Make deposits and withdrawals without penalty to this flexible 12 Month CD.

  • $5,000 minimum opening deposit
  • $250,000 maximum balance
  • Add deposits of $1,000 or more anytime. Additional deposits will not extend the maturity date.
  • Withdraw $1,000 or more one time per calendar month without a penalty
  • Interest is compounded and credited quarterly.
  • Personal accounts only.
  • Penalty for early withdrawal.
18 Month Flexible Certificate of Deposit

Make additional deposits anytime to this flexible CD without extending the maturity date.

  • $500 minimum opening deposit
  • Additional minimum deposits of $100 may be made anytime during the term. Additional deposits will not extend the maturity date.
  • Funds are available at maturity.
  • Credited interest may be withdrawn anytime without penalty.
  • Interest is compounded and credited quarterly.
  • Penalty for early withdrawal.
2 Year 2 Option Certificate of Deposit

You have the option to make two additional deposits and change the interest rate once.

  • $500 minimum opening deposit.
  • Two additional minimum deposits of $1,000 may be made anytime during the term. Additional deposits will not extend the maturity date.
  • Option to change the interest rate once to the current 2 Year 2 Option CD rate.
  • Funds are available at maturity.
  • Credited interest may be withdrawn anytime without penalty.
  • Interest is compounded and credited quarterly.
  • Penalty for early withdrawal.