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 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 4/1/2014

Special Bump Your Rate CD Offers

Term APY* Rate Early Withdrawal Penalty Qualifications Additional
10 Months 0.35% 0.35% 91 days interest $5,000 minimum deposit
25 Months 0.75% 0.75% 182 days interest $5,000 minimum deposit One Time Bump Option during original term
41 Months 1.10% 1.10% 182 days interest $5,000 minimum deposit One Time Bump Option during original term
59 Months 1.505% 1.50% 182 days interest $10,000 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% 0.85% 0.85% 0.60% 0.60% 182 days interest
48 Months 0.75% 0.75% 0.60% 0.60% 0.40% 0.40% 182 days interest
36 Months 0.60% 0.60% 0.50% 0.50% 0.25% 0.25% 182 days interest
24 Months 0.35% 0.35% 0.25% 0.25% 0.15% 0.15% 182 days interest
12 Months 0.25% 0.25% 0.15% 0.15% 0.10% 0.10% 91 days interest
6 Months 0.15% 0.15% 0.10% 0.10% 0.05% 0.05% 91 days interest
3 Months 0.10% 0.10% 0.05% 0.05% 0.03% 0.03% 91 days 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 0.65% 0.65% 0.55% 0.55% 0.35% 0.35% 182 days interest
30 Months 0.50% 0.50% 0.40% 0.40% 0.20% 0.20% 182 days interest
18 Months 0.30% 0.30% 0.20% 0.20% 0.15% 0.15% 182 days interest
9 Months 0.15% 0.15% 0.10% 0.10% 0.05% 0.05% 91 days interest

Disclosures:

CD rates are subject to change at any time without notice
Option to increase your 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