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Certificate of Deposit

What is a Certificate of Deposit?

A Certificate of Deposit – or CD – is a savings product with the security of a fixed return over a specific length of time. Your FDIC-insured1 CD account will typically earn more than a standard savings account, but any money deposited must remain at the bank throughout its term2.


  • Flexible term lengths
  • Fixed rate of return
  • FDIC insurance

Free Online Banking

  • Access electronic copies of your 1099 and certain other tax forms through Online Banking
  • Order up to seven years of account statements and check images on CD-ROM through Online Banking

Min. Opening Deposit

  • $1,000

Interest Paid

  • Compounded Daily

Minimum Balance

  • N/A

Monthly Service Charge

  • N/A


  • We offer terms from 3 months to five years2
    • Longer terms offer potentially higher interest rates
    • Shorter terms mean quicker access to your funds

Check Writing Privileges

  • No


  • Funds cannot be added during the term and penalty for early withdrawal. Funds can be added or withdrawn at maturity.

Open a Certificate of Deposit

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  1. The Federal Deposit Insurance Corp. insures each depositor up to $250,000.

  2. Penalty for early withdrawal

    Deposit Agreement & Disclosures