Certificate of Deposit Rates

Grow your money with a safe investment. Deposits are insured in full by The FDIC and The DIF.

Effective Date: Monday, January 21, 2019

Product Minimum To Open Interest Rate Annual
Percentage
Yield
(APY)%*
7-Day CD**+ $1,000.00 0.20% 0.20% Open
3 Month CD** $1,000.00 0.10% 0.10% Open
6 Month CD** $1,000.00 0.15% 0.15% Open
9 Month CD** $1,000.00 0.50% 0.50% Open
12 Month CD** $1,000.00 0.35% 0.35% Open
SPECIAL 13 Month CD** $1,000.00 2.28% 2.30% STOP BY ANY OFFICE TO OPEN
15 Month CD** $1,000.00 0.40% 0.40% Open
18 Month CD** $1,000.00 0.40% 0.40% Open
SPECIAL 21 Month CD** $1,000.00 2.76% 2.80% STOP BY ANY OFFICE TO OPEN
24 Month CD** $1,000.00 0.60% 0.60% Open
36 Month CD** $1,000.00 0.70% 0.70% Open
48 Month CD** $1,000.00 1.00% 1.00% Open
60 Month CD** $1,000.00 1.74% 1.75% Open

Some CD rates are also available for Individual Retirement Account (IRA's) with a minimum balance of $1,000.00. IRA’s are NOT available through online account opening. IRA’s are NOT available for a term of less than 6 months.

* Interest is compounded monthly. Annual percentage yield (APY) assumes principal and interest remain on deposit for one year. Minimum opening deposit is $1,000.  Minimum daily balance to earn stated APY is $.01. Rates offered are subject to change without notice.

** Interest rates at time of maturity set based on prevailing financial conditions. Substantial penalty on certificates should the Bank consent to early withdrawal of principal. Rates offered are subject to change without notice.

+ Will automatically renew every 7 days for an additional 7 days at the rate then available. Substantial penalty for early withdrawal. Interest is paid at maturity, no monthly compounding occurs.

The Federal Deposit Insurance Corporation (FDIC) federally insures deposits of up to $250,000. All portions of deposits in excess of $250,000 are insured by the Depositors Insurance Fund (DIF).