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Certificates of Deposit

A safe and secure way to save for those who have the flexibility to invest for longer periods of time:

  • Terms ranging from 91 days to 48 months
  • Minimum balances to earn stated Annual Percentage Yield (APY) range from $500 to $10,000
  • Current rates are posted in our bank lobbies, as well as our drive-ups, walk-ups and here on our website
  • To figure out your FDIC insurance limits click here.
Certificates of Deposit Rates
Certificate Term Interest Compounded Minimum To Open Minimum to Earn Stated APY Interest Rate Annual Percentage Yield

Additional disclosures are available to explain the calculation of Annual Percentage Yield (APY). At our discretion we may change the interest rate on your account at any time.

Interest is compounded and credited monthly.

 

Fees may reduce earnings.

 

Rates not availble to Commercial and Institutional investors

 

Rates effective as of January 1, 2014

91 Day At Maturity $1,000.00 $1,000.00 0.10% 0.10%
182 Day At Maturity $1,000.00 $1,000.00 0.10% 0.10%
182 Day At Maturity $10,000.00 $10,000.00 0.20% 0.20%
12 Month Quarterly $500.00 $500.00 0.15% 0.15%
12 Month Quarterly $10,000.00 $10,000.00 0.40% 0.40%
18 Month Quarterly $500.00 $500.00 0.20% 0.20%
18 Month Quarterly $10,000.00 $10,000.00 0.55% 0.55%
24 Month Quarterly $500.00 $500.00 0.25% 0.25%
24 Month Quarterly $10,000.00 $10,000.00 0.70% 0.70%
30 Month Quarterly $500.00 $500.00 0.40% 0.40%
30 Month Quarterly $10,000.00 $10,000.00 0.80% 0.80%
36 Month Quarterly $500.00 $500.00 0.60% 0.60%
36 Month Quarterly $10,000.00 $10,000.00 1.00% 1.00%
36 Month Step Up Quarterly $10,000.00 $10,000.00 0.90% 0.90%
48 Month Quarterly $500.00 $500.00 0.70% 0.70%
48 Month Quarterly $10,000.00 $10,00.00 1.05% 1.05%