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Savings and Certificates of Deposit

Certificate of Deposit

Certificates of Deposit are alternative to traditional savings accounts which allow you to feel secure about investing your money for the time period of your choice; a convenient way to receive higher returns.

A penalty may be imposed for early withdrawal.

Current Rates on Certificates of Deposit

Term Rate APY* Compounding Frequency
89 Day 0.10 0.10 At Maturity
3 Month 0.15 0.15
6 Month 0.25 0.25
9 Month 0.40 0.40
12 Month 0.60 0.60 Monthly
18 Month 0.75 0.75 Quarterly
24 Month 0.80 0.80
36 Month 1.11 1.11
48 Month 1.49 1.50
60 Month 1.89 1.90

*Annual Percentage Yields ("APY") are accurate as of 04/23/2014 and are subject to change. Penalty may be imposed for early withdrawal. Early withdrawal penalty is 30 days interest for those CDs with a maturity between 7 - 89 days. 90 days interest for those CDs with a maturity between 90 - 364 days, 180 days interest for those CDs with a maturity between at 365 days or greater. Minimum deposit to open the account is $500.

*Consult your tax advisor for IRA eligibility rules and your individual circumstances.

Money Market Account

You have worked hard to accumulate your savings, now let your money work hard for you. This all-in-one account allows you to enjoy the benefit of higher interest rates and the liquidity of a savings account, with check writing capability.

  • Keep your funds liquid while earning a competitive rate of interest on all balances.
  • Minimum average daily balance of $1,000 required to waive monthly maintenance fee of $20

Personal Savings

This account is ideal for individuals or families who maintain a high savings account balance.

  • Minimum balance of $200 required to waive monthly maintenance fee of $5
  • All balances earn a competitive rate of interest

Minor Smart Savings

This account is a smart way to teach a child to save.

  • No minimum balance required
  • All balances earn a competitive rate of interest

IRA Savings

Planning for your retirement is important. With our IRA Savings Account, you may recognize the benefit of tax savings without having to set a maturity date.

IRA Certificate of Deposit

Saving for retirement is important. With our IRA Certificate of Deposit, you choose how long your money will be invested.

*Consult your tax advisor for IRA eligibility rules and your individual circumstances.