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Certificates of Deposit (CD)

Earn a higher interest rate with our CD options. When your term is up, choose to automatically renew at a new rate, add to the balance, change the term or withdraw the funds.

  • Terms from 3 months to 5 years
  • Interest earned may be withdrawn at any time, transferred to another account or mailed directly to you
  • Renewal notice will be mailed prior to CD maturity
  • $1,000 minimum deposit to open

Substantial penalty for early withdrawal.

Certificate of Deposit Rates

ProductMinimum To OpenInterest RateAnnual Percentage Yield (APY)%*
3 Month CD**$1,000.000.10%0.10%Open Now
6 Month CD**$1,000.000.15%0.15%Open Now
9 Month CD**$1,000.000.50%0.50%Open Now
12 Month CD**$1,000.000.35%0.35%Open Now
SPECIAL 13 MONTH CD** $1,000.002.28%2.30%STOP BY ANY OFFICE TO OPEN
15 Month CD**$1,000.000.40%0.40%Open Now
18 Month CD**$1,000.000.40%0.40%Open Now
SPECIAL 21 Month CD**$1,000.002.76%2.80%STOP BY ANY OFFICE TO OPEN
24 Month CD**$1,000.000.60%0.60%Open Now
36 Month CD**$1,000.000.70%0.70%Open Now
48 Month CD**$1,000.001.00%1.00%Open Now
60 Month CD**$1,000.001.74%1.75%Open Now

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.

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

The 7-Day CD

This CD option allows you to invest your money for seven days instead of a longer term. This gives you the flexibility to make deposits and withdrawals weekly, if necessary.

  • Every seven days you can: make deposits, make withdrawals* or simply let it roll over for another seven days
  • $1,000 minimum deposit to open

*Substantial penalty for early withdrawal. 

7-Day Certificate of Deposit Rates

Minimum To OpenInterest RateAnnual Percentage Yield (APY)%*
$1,000.000.20%0.20%

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 rates at time of maturity set based on prevailing financial conditions. Rates offered are subject to change without notice. Minimum daily balance to earn the annual percentage yield (APY) is $.01. 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) insures deposits of up to $250,000. All portions of deposits in excess of $250,000 are insured by the Depositors Insurance Fund (DIF).

Traditional IRA

Save for retirement while taking advantage of tax benefits and earning a better return on your money. Contribute pre-tax income to the account and defer taxes on your earnings until you begin withdrawing funds during retirement. Individuals may contribute up to $6,000 per year and couples up to $12,000, even if only one spouse works. If you are age 50 or older, you may contribute an additional $1,000 per year.*

  • Terms from 6 months to 5 years**
  • Interest earned is tax deferred until withdrawn***
  • Annual contributions may be tax deductible*
  • Contributions from earned income may be made prior to turning age 70 ½
  • Distributions must begin the year you attain age 70 1/2

*Certain restrictions may apply. Consult your tax advisor.

**Some CD rates are also available for Individual Retirement Accounts (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.

***Substantial penalty for early withdrawal.

 

Roth IRA

Interest earnings on Roth IRA contributions are tax-deferred and may be withdrawn tax-free if the IRA owner meets requirements. Individuals may contribute up to $6,000 per year and couples up to $12,000, even if only one spouse works. If you are age 50 or older, you may contribute an additional $1,000 per year. Plus, contributions may even be made if you are currently enrolled in a qualified employee pension plan.*

  • Terms from 6 months to 5 years**
  • Contributions from earned income may be made at any age*
  • Annual contributions are not tax deductible
  • Distributions are tax- and penalty-free once you've reached age 59 1/2 and have been in the plan for at least 5 years***

*Certain restrictions may apply. Consult your tax advisor.

**Some CD rates are also available for Individual Retirement Accounts (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.

***Substantial penalty for early withdrawal.

Going Green

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