Certificates of Deposit

7-30 Day

• Account will mature in 7 to 30 days with the length of time selected at account opening.
• Interest will be paid at maturity.
• Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Interest Rate and Annual Percentage Yield will not change until this account matures.
• $1,000.00 opening deposit. Must maintain this balance to earn the APY.
• Withdrawal of principal before account maturity, we may impose a penalty of an amount equal to all interest that would be earned if the funds had remained on deposit until maturity. Minimum forfeiture fee of $10.00.
• May be automatically renewable.
• If you choose to have it automatically renew, you will have ten days after the maturity date to withdraw funds without penalty.
• If you elect single maturity, when this account matures, we will hold it in a non-interest bearing account.
• If you close the account before interest is paid, you may not receive the accrued interest.
• Fees could reduce the earnings on the account.

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60 Day

• Account will mature in 60 days.
• Interest will be paid at maturity.
• Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Interest rate and Annual Percentage Yield will not change until this account matures.
• $1,000.00 opening deposit. Must maintain this balance to earn the APY.
• Withdrawal of principal before account maturity, we may impose a penalty of an amount equal to all interest that would be earned if the funds had remained on deposit until maturity. Minimum forfeiture fee of $10.00.
• May be automatically renewable.
• If you elect single maturity, when this account matures, we will hold the funds in a non-interest bearing account.
• If you close the account before interest is paid, you may not receive the accrued interest.
• Fees could reduce the earnings on the account.

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91 Day

• Account will mature in 91 days.
• Interest will be paid at maturity.
• Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Interest rate and Annual Percentage Yield will not change until this account matures.
• $1,000.00 opening deposit. Must maintain this balance to earn the APY.
• Withdrawal of principal before account maturity, we may impose a penalty of three (3) months loss of interest. Minimum forfeiture fee of $10.00.
• May be automatically renewable.
• If you elect single maturity, when this account matures, we will hold the funds in a non-interest bearing account.
• If you close the account before interest is paid, you may not receive the accrued interest.
• Fees could reduce the earnings on the account.

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150 Day

• Account will mature in 150 days.
• Interest will be paid at maturity.
• Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Interest rate and Annual Percentage Yield will not change until this account matures.
• $1,000.00 opening deposit. Must maintain this balance to earn the APY.
• Withdrawal of principal before account maturity, we may impose a penalty of an amount equal to all interest that would be earned if the funds had remained on deposit until maturity. Minimum forfeiture fee of $10.00.
• May be automatically renewable.
• If you elect single maturity, when this account matures, we will hold the funds in a non-interest bearing account.
• If you close the account before interest is paid, you may not receive the accrued interest.
• Fees could reduce the earnings on the account.

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182 Day

• Account will mature in 182 days.
• Interest will be paid at maturity.
• Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• Interest rate and Annual Percentage Yield will not change until this account matures.
• $1,000.00 opening deposit. Must maintain this balance to earn the APY.
• Withdrawal of principal before account maturity. We may impose a penalty of three (3) months loss of interest. Minimum forfeiture fee of $10.00.
• This account can be automatically renewable.
• If you elect single maturity, when this account matures, we will hold the funds in a non-interest bearing account.
• If you close the account before interest is paid, you may not receive the accrued interest.
• Fees could reduce the earnings on the account.

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12, 18, or 30 Month

• Your account will mature in 12,18, or 30 months.
• $100.00 opening deposit. Must maintain this balance to earn the APY.
• Interest will be paid semi-annually.
• Interest begins to accrue on the business day you deposit noncash items (for example, checks).
• The interest rate and annual percentage yield will not change and will be in effect until this account matures.
• Withdrawal of principal before account maturity.We may impose a penalty of six (6) months loss of interest. Minimum forfeiture fee of $10.00.
• This account can be automatically renewable.
• If you elect single maturity, when this account matures, we will hold the funds in a non-interest bearing account.
• If you close the account before interest is paid, you may not receive the accrued interest.
• Fees could reduce the earnings on the account.

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