Savings Accounts & Certificates of Deposit
Certificates of Deposit
We offer a variety of certificates of deposit at nationally competitive rates to fit your investment needs.

Rate Information
The interest rates and annual percentage yields (APYs) are available on our Current Rates page. The APY assumes that interest will remain on deposit until maturity. A withdrawal will reduce earnings.

The interest rate and APY will not change for the term of the account. Interest begins to accrue from the date the account is opened. Interest may be paid by being added to the certificate quarterly. Or, you may receive your interest through an automatic deposit to an account or by check.

Limitations
A $500 minimum balance is required for CDs. You may not make withdrawals from the account until maturity.

Time Account Information
CDs automatically renew for the same term unless otherwise stated. You have 10 days after the maturity date to withdraw the funds without penalty.

If you withdraw any of the principal before the maturity date, the following penalties may be imposed on the amount withdrawn:

1 day - 91 days
92 days - 182 days
183 days - 59 months
60 months - 119 months
120 months or more
31 days simple interest
90 days simple interest
180 days simple interest
365 days simple interest
730 days simple interest

Open a Certificate of Deposit »
Other Savings Accounts
Regular Savings Account

Earn interest that's compounded daily while you save for the future with a regular savings account.
  • No service charge when a minimum balance of $100 or more is maintained. If the minimum balance falls below $100 during the month, a $5 maintenance fee is assessed.
  • Interest will be compounded to your account quarterly: September and December.
  • Three withdrawals per month at no charge. Additional withdrawals within the same monthly cycle are $2.00.
  • Transfers from a savings account to another account or to third parties by pre-authorized automatic or telephone transfers are limited to six per month.
  • If the account is closed prior to the interest payment date, no interest will be paid.
  • Statements are semiannual (June and December). Accounts with an electronic funds transaction will receive statements monthly.
Youth Savings

A dynamic way to encourage children and teens to save by watching their balances grow.

  • No minimum balance.
  • Age limit 17 years or younger.
  • Parent or guardian must be on the account.
Balance
Information
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Terms & Conditions