Available with low minimum balance of $500

Certificates of Deposit are offered in terms from 3 months to 10 years

Simple interest may be added to the value of the Certificates either annually or at maturity

Simple interest may also be paid by check or credited to another account monthly, quarterly, or at maturity

Additions are permitted ($50 minimum)

See Disclosures for early withdrawal penalties

Available with low minimum balance of $2,500

Available for terms of 12 or 36 months

Interest paid monthly on 12 month term and quarterly on 36 month term

Can withdraw at either monthly or quarterly intervals without penalty

See Disclosures for early withdrawal penalties

Interest earned, paid monthly

Interest is tiered by balance

$6 service fee if balance falls below $1,000 during a statement cycle

Withdrawals made by telephone, automatic/pre-authorized transfers or check are limited by law to six (6) per monthly cycle, of which no more than three (3) may be by check