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Certificates of Deposit (CDs)

Flexible Terms to Match Your Goals

Choose from a variety of term lengths, ranging from 3 months to 60 months. Whether you’re saving short-term or planning for the future, we have an option for you.

Competitive Rates

Your rate is locked for the duration of your CD, offering peace of mind and steady growth. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. Contact us for current rates.

Balance Requirements

  • Minimum opening deposit: $500
  • Maintain a $500 balance to earn the disclosed APY

How Interest Works

We use the daily-balance method to calculate the interest on your account. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (example: checks).

Interest will be compounded and credited as set up with account (Options: Quarterly / Semi-annually / Annually / At Maturity).

Automatic Renewal

CDs renew automatically at the best available rate for a similar term. You have a 10-day grace period after maturity to withdraw funds without penalties.

Important Considerations

  • No deposits or withdrawals allowed until maturity.
  • Early withdrawals incur penalties: 91 days of interest for terms of 12 months or less; for longer terms, penalties are half the interest for the term (e.g., an 18-month CD incurs a 9-month penalty).
Couple meeting with advisor about CDs and IRAs

Individual Retirement Accounts (IRAs)

IRA Options for a Secure Retirement

We offer a range of IRAs to suit your retirement planning needs:

  • 1-Year Monthly Deposit IRA: Start with as little as $100 and make regular contributions.
  • Other IRAs: Open with a $500 minimum deposit.

Variable Rate IRA

Our 18-month Variable Rate IRA allows deposits during the term. Interest rates are variable and may change at our discretion. APY assumes funds remain on deposit until maturity.

Balance Requirements & Penalties

  • Minimum balance: $500 to earn the disclosed APY.
  • Withdrawals prior to age 59½ may be subject to IRS early-distribution penalties in addition to any applicable bank penalties.

Required Minimum Distributions (RMDs)

Federal regulations generally require account holders to begin taking Required Minimum Distributions starting at age 73 (or later, depending on year of birth). RMDs may be taken without IRS early-distribution penalty.

Consult your tax advisor regarding IRA eligibility, contribution limits, and tax treatment.

*Contact us for current rate information. Rates are subject to change. Fees, limitations, and transaction restrictions may apply. Refer to the bank’s full account disclosures for complete terms.