Certificates of Deposit

Looking for a secure investment that generates a high rate of return?  Depending on your needs, we have a Certificate of Deposit that is a perfect fit.  Short and long term maturities with low minimum deposits and guaranteed interest rates.  Available as regular accounts or as Individual Retirement Accounts (IRAs), our Certificate products make financial planning simple and secure.

Flex Rate Certificate

• 90 day maturity
• $1000 to open
• Variable interest rate – may change on a monthly basis

Fixed Rate Certificate

• 6, 9, 12, 18, 24, 30, 36, 48, 60, 84, and 120 month maturities available
• Guaranteed fixed rate of interest for the entire term
• Balance tiered interest rates
• $500 to open

Step Rate Certificate

• Currently available in a 30 month maturity only
• Guaranteed base rate of interest for the entire term
• During the course of the term, if the interest rate on this type of
• certificate increases, account holder has the option to increase the rate
• on this certificate once.
• $500 to open

General information about Certificate / IRA accounts

• An interest penalty of 30 to 90 days may apply upon early withdrawal of funds.
• Interest is compounded daily and credited quarterly.
• Interest can be credited to the balance of the certificate, deposited into another deposit account, or paid by check.
• Certificates can be opened in an IRA account.  Please contact us for
•  more information regarding IRA accounts.