Time Deposits


All types of certificates are available. Contact our New Accounts Department for interest rates, annual percentage yields, and minimum deposit requirements. Interest may be paid monthly or accrued and compounded.

If we permit you to withdraw all or part of your certificate before maturity, we may impose a substantial penalty unless the depositor is deceased or mentally incompetent.


Premium CDs are offered for balances of $100,000.00 and up. These CDs will typically have a higher yield than our standard certificates and offer special features unique to this product:

-Customers are permitted to make additional deposits of $5,000 and up at any time during the CD term.

-Customers are allowed a one-time penalty-free withdrawal of up to 50% of the balance of the CD (Provided the balance will remain above $100,000.00 after the withdrawal.)

Please contact us for rates and further information.


Minimum deposit of $100.00 is required for opening an account. Additional deposits may be made at any time without extending the original maturity. Account is subject to substantial penalty for early withdrawal. Variable rate account interest rate and annual percentage yield is subject to change at our discretion. Fixed rate account interest rate and annual percentage yield is set at opening and remains in effect until maturity date.

Interest is calculated on the daily balance and is compounded and credited monthly.
Maturity terms of 12, 24, 36 or 60 months are available.


8-Month Certificate of Deposit
5.00% APY*

$5,000 minimum opening balance.

*The above listed rate is the Annual Percentage Yield (APY) on a 8-month Certificate of Deposit. A penalty may be imposed for early withdrawal. Rates subject to change at any time. Rates as of 6/8/2007. Available for a limited time.  Minimum balance to obtain APY: $.01.

Additional deposits of $5,000 or more to the CD are permitted at any time during the term!

Please ask about our Premium CDs and Tiered Money Market Accounts.

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