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Personal Certificates of Deposit (CDs)

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Rates

If you want to meet your savings goals with certainty, you’ve come to the right place. Watch your balance grow with guaranteed, fixed-rate earnings.

Key Features

  • Fixed Rates
  • Competitive Interest
  • No Setup or Maintenance Fees
  • Wide Range of Terms

Effective August 23, 2019

 

*Annual Percentage Yield (APY) assumes principal and interest remain on deposit for the term of the certificate. Interest is accrued daily; 11-month is compounded and paid monthly; 18-month and 39-month are compounded and paid quarterly. A penalty may be assessed for early withdrawal. Fees may reduce the earnings on the account. Certificates automatically renew upon maturity. Minimum deposit: 11-month is $5,000; 18-month is $5,000; 39-month is $10,000; maximum is $250,000. Rate is not available for brokerage deposits, institutional investors, public funds or in conjunction with other promotional offers. Effective as of September 27, 2019. Offer may end at any time.

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Account Type

Minimum Balance

Rate

Annual Percentage Yield

11 Month Special - Compounded Monthly

$5,000

1.59%

1.60%

18 Month - Compounded Quarterly

$5,000

1.69%

1.70%

39 Month Special - Compounded Quarterly

$10,000

1.79%

1.80%

Four Year - Compounded Quarterly

$500

1.30%

1.31%

Five Year - Compounded Quarterly

$500

1.70%

1.71%

  • Meet your savings goals with guaranteed, fixed-rate earnings
  • Higher interest rates than other savings products1
  • More safe than other, riskier investments
  • Variable terms (from 91 days to 5 years)
  • Flexible payout options
    • Add to the balance of your current certificate, transfer to another CIB account, or mailed to you via check
  • No setup or maintenance fees
  • Early withdrawals subject to penalty1
  • Funds are FDIC insured
  • Minimum deposit as low as $500

Interest rates on all interest-bearing accounts are determined by the bank and may be adjusted at the bank's discretion. Annual percentage yield (APY) assumes principal and interest remain on deposit for the term of the certificate.  A penalty may be assessed for early withdrawal.  Fees could reduce the earnings on the account.  Minimum deposit and method of compounding may vary on the certificates. Maximum deposit of $250,000.  Certificates automatically renew upon maturity. Some CD’s may not be eligible for brokerage deposits, institutional investors or public funds.  Rates effective September 27, 2019.