Certificates of Deposit

Certificate of Deposit Options

CD Specials

CD Specials require a minimum deposit to open and obtain the Annual Percentage Yield (APY) as noted in the chart below. The CD Specials current interest rates shown in the chart below are fixed and produced when the minimum balance is maintained.

Term	Minimum Deposit	Rate %	APY %
9 Month CD Special	$10,000	4.51%	4.60%
11 Month No Penalty CD Special	$10,000	4.41%	4.50%
15 Month CD Special	$10,000	4.17%	4.25%

The 9 Month CD Special will automatically renew for a 6-month term upon maturity at the 6-month fixed rate in effect at maturity and be subject to the 6-month Certificate of Deposit terms and provisions.

The 11 Month No Penalty CD Special offers three penalty free withdrawals of $500 or more during the term of the CD. A minimum balance of $5,000 must be maintained. This CD will automatically renew for a 12-month term upon maturity at the 12-month fixed rate in effect at maturity and be subject to the 12-month Certificate of Deposit terms and provisions.

The 15 Month CD Special will automatically renew for a 12-month term upon maturity at the 12-month fixed rate in effect at maturity and be subject to the 12-month Certificate of Deposit terms and provisions.

Fixed Rate CD

Certificates of deposit offer the security of FDIC insurance, up to $250,000 per depositor, and a guaranteed rate of interest until maturity. Interest may be credited to the CD or paid to an existing account. Maturity dates range from 90 days to 4 years, with a minimum balance of $500 required to open the account and obtain the Annual Percentage Yield (APY). A penalty for early withdrawal applies to all CDs and may invade principal. Interest rates disclosed below assume monthly payment of interest. Both the interest rate and APY are updated daily and reflect today's date.

Term	Rate %	APY %
3 Month Certificate	0.35%	0.35%
6 Month Certificate	0.50%	0.50%
1 Year Certificate	1.24%	1.25%
1 1/2 Year Certificate	1.29%	1.30%
2 Year Certificate	1.34%	1.35%
2 1/2 Year Certificate	1.39%	1.40%
3 Year Certificate	1.49%	1.50%
4 Year Certificate	1.54%	1.55%

College Saver CD

For students up to age 25, this 3-year CD requires a minimum deposit of only $250 to open and obtain the Annual Percentage Yield (APY). Unlimited deposits of $25 or more can be made at any time. Interest credited may be withdrawn any time and post-high school graduation withdrawals can be made twice during the calendar year without penalty. A penalty for early withdrawal applies only until the student's graduation from high school and may invade principal. College Saver CD renews automatically at each successive 3-year maturity.

If the posted APY on the College Saver CD or 3 Year CD increases and exceeds the APY on your College Saver CD, you may elect to increase the APY to the then current APY of the College Saver CD or the 3 Year CD (Bump-Up Feature). When the "Bump-Up" feature is enacted, the new APY will apply to your account until maturity. This feature is available once during each subsequent term of your College Saver CD.

The current interest rate on this account is fixed at 2.13% which produces an APY of 2.15% when the minimum balance is maintained.

Current Rates

See the rates for our interest-bearing accounts.