Certificates of Deposit

All of our personal certificates of deposit are available with combined statements.  You can have the interest from your personal certificate of deposit credited to:

• The certificate of deposit account to maximize compound interest.
• Any checking, savings, or money market account at our bank.
• Any other bank account in the United States that accepts ACH deposits.

We offer personal certificates of deposit with terms of 3 months through 60 months.  We tier our certificates of deposit, so the higher your balance, the greater the interest rate you will earn on the entire account balance.  We can customize the maturity date to meet your liquidity needs (e.g. maturing just prior to an April 15^th tax payment).  You may withdraw the interest credited to your certificate of deposit during the current term at any time without penalty.

In addition to traditional personal certificates of deposit, we offer flexible certificates of deposit, bump-up certificates of deposit, and relationship certificates of deposit.

Flexible certificates of deposit allow an additional deposit and one or more penalty-free withdrawals during the original term.  Restrictions apply, so please ask us for more detailed information if you might be interested in this product.

Bump up certificates of deposit permit a one time change in the interest rate during the original term.

Relationship certificates of deposit are available to customers that maintain a more comprehensive relationship with us.  These accounts can be opened with a low minimum balance of just $1,000.00 and are integrated with a checking account.

Penalties may apply for early withdrawal.