Certificates of Deposit

We offer competitive interest rates and terms from 3 months to 5 years. Enjoy a guaranteed rate of return on your savings and the security of FDIC insurance. CDs may also be used in retirement planning.

Ask about our “Plus” Certificates of Deposits

If interest rates go up during the original term, you can take advantage of the higher rate one time during the original term.**

Renew easily

We make it convenient. Our CD’s renew automatically at maturity.

Current Interest Rates

Effective 4/1/2017

Certificates of Deposit

$1,000 minimum deposit required

Term $25,0000+ $10,000 – $24,999 $1,000 – $9,999 Early Withdrawal Penalty
APY* Rate APY* Rate APY* Rate
60 Months 1.75% 1.75% 1.55% 1.55% 1.25% 1.25% 12 months interest
48 Months 1.50% 1.50% 1.40% 1.40% 1.20% 1.20% 12 months interest
36 Months 1.25% 1.25% 1.20% 1.20% 0.75% 0.75% 12 months interest
24 Months 1.05% 1.05% 1.00% 1.00% 0.65% 0.65% 12 months interest
12 Months 0.80% 0.80% 0.60% 0.60% 0.50% 0.50% 6 months interest
6 Months 0.20% 0.20% 0.15% 0.15% 0.10% 0.10% 6 months interest
3 Months 0.15% 0.15% 0.10% 0.10% 0.05% 0.05% 6 months interest

Community Plus Certificates of Deposit**

$1,000 minimum deposit required

Term $25,0000+ $10,000 – $24,999 $1,000 – $9,999 Early Withdrawal Penalty
APY* Rate APY* Rate APY* Rate
54 Months 1.65% 1.65% 1.50% 1.50% 1.25% 1.25% 12 months interest
42 Months 1.40% 1.40% 1.30% 1.30% 1.00% 1.00% 12 months interest
30 Months 1.15% 1.15% 1.10% 1.10% 0.65% 0.65% 12 months interest
18 Months 1.00% 1.00% 0.90% 0.90% 0.50% 0.50% 12 months interest
9 Months 0.25% 0.25% 0.15% 0.15% 0.010% 0.10% 6 months interest

Disclosures:

*APY = Annual Percentage Rate
Interest rates are established periodically and are subject to change at any time without notice.
Interest is compounded annually unless otherwise paid. The APY assumes that interest remains on deposit until maturity.
You will be paid the stated rate until the first maturity and will not be paid after the first maturity date if the certificate is not renewed.
There is a 10-calendar-day grace period after maturity to make any changes to the terms.
On the first day after the end of the grace period, the CD will automatically renew for another term of similar or equal length at the prevailing rate.
A withdrawal of interest and/or an early withdrawal penalty may reduce earnings. Fees may also reduce earnings.
**Community Plus certificates offer a one-time option to change your rate to the prevailing Community Plus rate of the same term.
You will earn the new rate from the date of change until the originally stated maturity date.
Additional penalties may apply for IRA transactions.