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 “Bump Your Rate” CD

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

Renew easily

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

Current Interest Rates

Effective 8/1/2016

Special Bump Your Rate CD Offers

Term APY* Rate Early Withdrawal Penalty Qualifications Additional
11 Months 0.55% 0.55% 6 months interest $5,000 minimum deposit
27 Months 1.00% 1.00% 12 months interest $10,000 minimum deposit One Time Bump Option during original term
27 Months 1.28% 1.28% 12 months interest $50,000 minimum deposit One Time Bump Option during original term
51
Months
1.75% 1.75% 12 months interest $50,000 minimum deposit One Time Bump Option during original term

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 1.05% 1.05% 0.75% 0.75% 0.60% 0.60% 12 months interest
48 Months 0.75% 0.75% 0.60% 0.60% 0.40% 0.40% 12 months interest
36 Months 0.60% 0.60% 0.50% 0.50% 0.25% 0.25% 12 months interest
24 Months 0.35% 0.35% 0.25% 0.25% 0.15% 0.15% 12 months interest
12 Months 0.25% 0.25% 0.15% 0.15% 0.10% 0.10% 6 months interest
6 Months 0.15% 0.15% 0.10% 0.10% 0.05% 0.05% 6 months interest
3 Months 0.10% 0.10% 0.05% 0.05% 0.03% 0.03% 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
42 Months 0.60% 0.60% 0.50% 0.50% 0.35% 0.35% 12 months interest
30 Months 0.45% 0.45% 0.35% 0.35% 0.20% 0.20% 12 months interest
18 Months 0.30% 0.30% 0.20% 0.20% 0.15% 0.15% 12 months interest
9 Months 0.15% 0.15% 0.10% 0.10% 0.05% 0.05% 6 months interest

Disclosures:

*Special Bump Your Rate CD interest rate may change after the account is opened. You may choose to update or “bump” the Interest Rate and Annual Percentage Yield only once during the term of the certificate. The updated or bumped interest rate will become effective within three business days after we receive notice. The new Interest Rate will not be applied retroactively.

CD interest rates are subject to change at any time without notice
Option to increase your interest rate and add additional funds once during CD term
Interest compounded annually
APY* – Annual Percentage Yield
Minimum to open $1,000 to $5,000
Early withdrawals are subject to a penalty fee
Fees may reduce earnings
FDIC insured up to applicable limits