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Certificate of Deposit

  • Minimum deposit of $1,000.00 required
  • Interest rate & Annual Percentage Yield can be found on interest rate sheet and may be changed at our discretion at any time
  • New interest rate will be imposed at maturity of CD
  • Daily balance method used to calculate interest
  • CD's automatically renew unless customer requests otherwise
  • Customer has a grace period of 10 days after maturity to withdraw without penalty

Interest is compounded and credited to the CD, or a checking or savings account or mailed by check to customer semi-annually or at maturity of CD, whichever comes first.


Penalty For Early Withdrawal

  • 1 month's interest on a CD with maturity 1 year or less
  • 3 month's interest on a CD with maturity over 1 year up to 3 years
  • 6 month's interest on a CD with maturity over 3 years

Penalty in each circumstance is based on the amount withdrawn.

We offer the following CD's. For current rates, please see our rates page.

  • 30 Day
  • 91 Day
  • 182 Day
  • 1 Year
  • 2 Year
  • 3 Year