Earn More with a 12 Month CD

Put your hard-earned money to good use!

Our 12 month CDs with 2.05% APY* are an excellent way to invest in your future.

*Annual percentage yield. Annual percentage yield is accurate as of June 1st, 2018. Minimum deposit of $1,000 required. Offer available for a limited time. Substantial penalty for early withdrawal. Please call for details.

What is a Certificate of Deposit?

A Certificate of Deposit (CD) is a safe and secure way to invest your money. Your return will be your original deposit, plus the interest you earn. The interest paid to you depends upon the current interest and the length of time you choose to leave your money on deposit. You may choose to either compound your interest back into your certificate, receive a check or have the funds sent electronically to another account of your choice.


  • Maturity terms available from 30 days to 60 months
  • Fixed interest rate on daily balance until maturity
  • Interest accrued daily and compounded monthly
  • Internet access to your certificate of deposits
  • Ability to combine your certificate of deposit to your monthly checking account statement
  • $1000 minimum deposit to open the account (Special Promotions may require different minimum deposits).
  • Maturity notices are mailed 20 days prior to maturity.
  • Variable rates, rising rates or bonus rates may be offered during special promotions.
  • Interest may be compounded back into the CD, or you may receive a check, or have the funds electronically transferred to another account.
  • Check Writing is not allowed.
  • Your CD is automatically renewable. You will have 10 grace days after maturity to make changes to your CD.
  • CD information may appear on your combined statement or on your internet banking site.
  • Substantial early withdrawal penalties apply: Loss of 30 days interest on terms of 30 or 90 days, 90 days loss of interest on terms greater than 90 days and less than 24 months, 180 days loss of interest on terms 24 months or greater.

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