Personal Certificate of Deposit

We offer two personal certificate of deposit account options to accommodate individual financial needs, with competitive rates and automatic renewal at maturity.

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Certificate of Deposit / IRA Certificate of Deposit

  • $1,000 minimum opening deposit
  • Interest begins to accrue from the date of deposit
  • Interest is compounded monthly and credited monthly
  • Interest may be withdrawn from account before maturity without a penalty
  • Early withdrawal penalties may be imposed for withdrawals of principal before maturity
  • The account will automatically renew at maturity

*Additional deposits up to the IRS maximum contribution allowable during the term of the IRA certificate.

Flexible Certificate of Deposit
9, 12, 18, 24, & 36 Months

A certificate of deposit that offers extra benefits and flexibility

  • $2,500 minimum opening deposit
  • Interest begins to accrue from the date of deposit
  • Interest is compounded monthly and credited monthly
  • Bump the rate ONE TIME during the first term if the bank’s rate increases, without extending the original term
  • One Time withdrawal up to 50% principal is allowed at NO penalty for withdrawals after the first six days, provided the minimum $2,500 balance requirement is maintained.
  • Deposits accepted in increments of $100 up to 50% of original principal balance
  • Interest may be withdrawn from account before maturity without a penalty
  • Early withdrawal penalties may be imposed for withdrawals of principal
  • The account will automatically renew at maturity
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