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Personal Banking, Home Loans & Business Banking and Loans

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Protect your investment whether rates rise or fall. It's a win-win.


  • Competitive interest rates guaranteed for the term of your CD1
  • Flexible terms from 30 days to 60 months
  • Security of FDIC insurance


  • Convenient automatic renewal at maturity
  • Ten calendar day grace period after the maturity date to change the length of the term or withdraw funds without being charged a penalty2
  • Manage your accounts 24/7 from virtually anywhere with free online and mobile banking

Account opening and maintenance:

  • $500 minimum opening deposit
  • No monthly service fee
  • No additional charge for paper or electronic statements
  • A penalty may be imposed if any amount of principal is withdrawn prior to the maturity date, based on the term of the CD3

Other Accounts:

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Set Your Own Goal CD

Establish your own savings goal

Low minimum opening deposit of $100

Funds may be withdrawn without penalty upon attaining your savings goal

Additional deposits of at least $25 allowed at any time

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Home Purchase CD

Establish your own savings goal

Start saving today with as little as $100

No-penalty withdrawal for your home purchase

Additional deposits of at least $25 allowed at any time

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Individual Retirement Account (IRA) CD

Competitive interest rates guaranteed for the term of your CD

Additional deposits of at least $100 allowed at any time

Get the tax advantages of a traditional or Roth IRA



1. Interest Rate and Earnings Information

The interest rate for your account will be paid until the maturity date of your certificate.  The annual percentage yield assumes interest will remain on deposit until maturity.  A withdrawal will reduce earnings.  Your interest rate and annual percentage yield are listed on your certificate of deposit. Interest will be credited to your account monthly.  If you authorize us to withdraw or transfer interest to another account, your interest will not compound. Interest begins to accrue on the business day your deposit posts to the account. We use the daily balance method to calculate the interest on your account.  This method applies a daily periodic rate to the principal in the account each day. Interest will not be paid if the account balance is below the minimum opening deposit.

2. Automatic Renewal

Account will automatically renew at maturity. You will have ten (10) calendar days after the maturity date to withdraw your funds without a penalty. The interest rate and annual percentage yield for any renewal term will be at the current interest rate we are paying at renewal.

3. Penalty for Early Withdrawal

If you withdraw any amount of principal before the maturity date, we may impose a simple interest penalty on the amount withdrawn, at the current interest rate being paid on the account. A withdrawal which reduces the account balance below the minimum balance requirement may be considered a withdrawal of the entire account balance and shall be subject to penalty on the entire amount. If your account has not earned enough interest, or if interest has been paid, we will take the difference from the principal amount of the account. A penalty will not be imposed for withdrawals following the death or adjudicated incompetence of any account holder.

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