We’ve got a Certificate of Deposit
That’s Right for You!
Fill out a Customer Identification Form and bring it in to any of our branches to get started today.
Our Certificates of Deposits offer guaranteed yields, flexibility, and the safety of FDIC insurance. That’s because you lock in a high yield that’s guaranteed from the day you open the account until the day it matures. You know exactly what return you’ll get and when you’ll get it.
Your investment is safe because Certificates of Deposit are backed by the Federal Deposit Insurance Corporation for up to $250,000 per individual – making them as safe as any investment in the world.
We offer Certificates of Deposit in a broad range of maturities, each designed with a particular goal in mind. And, for as little as $500, you can open your CD.
- Short-Term CDs. Short term savings certificates, usually up to 3 months, offer you the fastest, readiest access to your money.
- Medium-Term CDs. Our 6 to 18 month medium-term CDs offer you higher yields than shorter term CDs.
- Long-Term CDs. If you have a long-term outlook, our CDs with maturities of 2 years or more reward you with the highest yields we have to offer.
No Limit CD’s through CDARS
A Great Service for Large Deposit Investors. With our High Limit CD’s program through the Certificate of Deposit Account Registry Service (CDARSSM), large deposits can now be placed by us into smaller denomination CD’s at multiple institutions.
This service can offer you significant benefits:
- Safety of FDIC insurance for large deposits
- CD interest
- Management Convenience
- Security of working with a trusted, local source
Having your funds placed in the No Limit CD’s program through CDARS couldn’t be easier or more convenient. To get started, please call or stop by to speak to one of our customer service representatives.
Certificates of Deposit Rates
| Term | Min Balance | Rate | APY* |
|---|---|---|---|
| 31 days | $1,000 | 2.96% | 3.00% |
| 91 days | $1,000 | 3.20% | 3.25% |
| 182 days | $1,000 | 3.54% | 3.60% |
| 9 months | $1,000 | 3.34% | 3.40% |
| 12 months | $1,000 | 3.20% | 3.25% |
| 13 months | $1,000 | 3.20% | 3.25% |
| 18 months | $1,000 | 2.955% | 3.00% |
| 24 months | $1,000 | 2.47% | 2.50% |
| 30 months | $1,000 | 2.23% | 2.50% |
| 36 months | $1,000 | 1.98% | 2.00% |
| 48 months | $1,000 | 1.98% | 2.00% |
| 60 months | $1,000 | 1.98% | 2.00% |
CD Interest: Interest is compounded daily and credited monthly on all certificates.
CD Early Withdrawal Penalty: CD’s withdrawn before maturity have penalty applied based on the length of the term. Please ask your representative for details.
Not sure if a CD is right for you? Click the link below to find out!
TERMS AND CONDITIONS
Please contact our representative for complete disclosures on our products/services.
*A penalty may be imposed for early withdrawal.
*Withdrawal of interest will reduce earnings.
*Interest rates are based on Market conditions.
*Loans against Savings Accounts and Certificates of Deposit are made at 2% above the deposit interest rate.
CD Interest: Interest is compounded daily and credited monthly on all certificates
CD Early Withdrawal Penalty: CD/s withdrawn before maturity have penalty applied based on the length of the term.
*Rates subject to change without notice.
*APY refers to Annual Percentage Yield based on simple interest.
*APR refers to Annual Percentage Rate based on simple interest
Rates are accurate as of 01/26/26.