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Personal Investments

Certificates of Deposit (CD)

A CD is an insured product with higher yields than a savings account. CD Terms can range from 7 days to 6 years. Rates are determined by term. It is best suited for consumers who want to invest funds in a safe and insured account while still getting a guaranteed return on that investment.

Interest can be compounded or withdrawn. A $1,000 minimum balance is required for all terms.

Click here for current interest rates.

Early withdrawal penalties apply. Penalty varies according to term of CD:

  • less than 6 months = 14 days of interest
  • 6 months up to 18 months = one month’s interest
  • 18 months and longer = three months of interest

Contact one of our Customer Service Representatives for more information about applicable fees and terms.