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Certificates of Deposit (CDs)

If you like a guaranteed rate of return and have the flexibility of depositing savings for a specific length of time, a Certificate of Deposit (CD) is the account for you.  CDs are different from a savings account because they have a fixed term and a fixed rate.  But, there is a penalty for early withdrawal. 

Money Manager CD

If you are an interest rate watcher, you'll want to consider this account. This CD really lets you manage your CD funds since it features options for adding funds to it, changing the rate and withdrawing funds. 

  • $5,000 minimum deposit
  • Terms are 12 to 60 months
  • Special options are:
    • Change the Rate
      Change the rate one time during the term of the CD and take advantage of upward moving interest rates
    • Add to the CD
      You can add up to 50% of the original CD amount anytime during the first six months ($1,000 minimum).  Perfect if you wish to take advantage of your current interest rate by adding funds.
    • Withdraw from the CD
      A nice safety clause should you unexpectedly need cash.
      • After 7 days of opening, you can withdraw up to 50% of the original amount one time during the first six months without penalty.

Classic CD

A nice, flexible CD if you have limited funds or wish to invest for a short period of time. 

  • Low minimum deposit of $500
  • Variety of terms from 1 to 60 months

See our CD Rates & Specials.

There is a penalty for early withdrawal of certificates.

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