photoCertificates of Deposit & IRAs

3 month CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The Interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 3 MONTHS. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will not be compounded on the account. Interest will be credited at maturity. We will mail the interest in a check to you or deposit the interest in an account that you designate. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You can make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. 

Time Account Information:  Your account will mature in 3 MONTHS. If you withdraw any of the principal before the maturity date, we may impose a penalty of 3 month's interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened.

If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will remain on deposit in your time account but will STOP EARNING INTEREST. You may be required to present this certificate for redemption. 

6 month CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 6 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You can make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. 

Time Account Information:  Your account will mature in 6 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 3 month's interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will remain on deposit in your time account but will STOP EARNING INTEREST. You may be required to present this certificate for redemption. 

12 month CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You can make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. 

Time Account Information:  Your account will mature in 12 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 6 month's interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will remain on deposit in your time account but will STOP EARNING INTEREST. You may be required to present this certificate for redemption. 

18 month CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 18 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate.  A withdrawal will reduce earnings. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You can make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. 

Time Account Information:  Your account will mature in 18 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 9 month's interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will remain on deposit in your time account but will STOP EARNING INTEREST. You may be required to present this certificate for redemption. 

24 month CD

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 24 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded quarterly and will be credited quarterly. We will mail the interest in a check to you or deposit the interest in an account that you designate. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account. You may not make additional deposits into this account. You can make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. 

Time Account Information:  Your account will mature in 24 months. If you withdraw any of the principal before the maturity date, we may impose a penalty of 12 month's interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will remain on deposit in your time account but will STOP EARNING INTEREST. You may be required to present this certificate for redemption. 

12 month IRA

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 12 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited semi-annually.  The annual percentage yield assumes interest will remain on deposit until maturity.  A distribution will reduce earnings. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $250.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $250.00 to open this account. You may not make additional deposits into this account. You can make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. 

Time Account Information:  Your account will mature in 12 months. If you take a distribution before the maturity date, we may impose a penalty of 6 month's interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to take a distribution of funds without a bank imposed penalty. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will remain on deposit in your time account but will STOP EARNING INTEREST.

18 month IRA

Rate Information: This Account is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield will not change for the term of the account. The interest rate will be in effect for 18 months. Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be compounded semi-annually and will be credited semi-annually. The annual percentage yield assumes interest will remain on deposit until maturity. A distribution will reduce earnings. 

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $250.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $250.00 to open this account. You may not make additional deposits into this account. You can take a distribution from your account before maturity only if we agree at the time you request the withdrawal. 

Time Account Information:  Your account will mature in 18 months. If you take a distribution before the maturity date, we may impose a penalty of 9 month's interest. You may obtain the account with or without an automatic renewal feature. You must tell us which kind of account you want before the account is opened. If you select your account to automatically renew, your account will automatically renew at maturity. You will have 10 days after the maturity date to take a distribution of funds without a bank imposed penalty. If you do not select the automatic renewal option, the account will not renew at maturity. If you do not renew the account, your funds will remain on deposit in your time account but will STOP EARNING INTEREST.