3-Month Certificate of Deposit
6 Month Certificate of Deposit
Term Certificate of Deposit
Jumbo Certificate of Deposit

• Rate Information: Ask a Banker for current interest rate and annual percentage yield. You will be paid the rate of interest until maturity.
• Compounding Frequency: Interest will be compounded monthly.
• Crediting Frequency: Interest will be credited to your account according to the terms in your certificate of deposit document.
• Minimum deposit to open the account: You must deposit $1,000.00 to open this account.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily balance computatation method: 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.
• Accrual of interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: You may not make any deposite into your account before maturity. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest credited to your account at any time during the term of the deposit after it is credited to your account.
• Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity): The penalty we may impose is the greater of:
  • 7 days interest, on the amount withdrawn subject to penalty, if the withdrawal is made witin the first six days after the deposit, or
  • all interest on the amount withdrawn subject to penalty. There are certain circumstances such as death or imcompetence of an owner, where we may waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.
• Withdrawal of interest prior to maturity: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
• Automatically renewable time account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below) or we receive written notice from you within the grace period mentioned below. If you prevent renewal, interest will not accrue after maturity.
  Each renewable term will be the same we offer on new time deposits, on the maturity date, which have the same term, minimum balance (if any) and other features as the original time deposit.
• You will have ten calendar days after maturity to withdraw the funds without a penalty.

• Rate Information: Ask a Banker for current interest rate and annual percentage yield. You will be paid the rate of interest until maturity.
• Compounding Frequency: Interest will be compounded monthly.
• Crediting Frequency: Interest will be credited to your account according to the terms in your certificate of deposit document.
• Minimum deposit to open the account: You must deposit $1,000.00 to open this account.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily balance computatation method: 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.
• Accrual of interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: You may not make any deposite into your account before maturity. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest credited to your account at any time during the term of the deposit after it is credited to your account.
• Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity): The penalty we may impose is the greater of:
  • A penalty of 90 days interest for withdrawals before maturity.
• Withdrawal of interest prior to maturity: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
• Automatically renewable time account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below) or we receive written notice from you within the grace period mentioned below. If you prevent renewal, interest will not accrue after maturity.
  Each renewable term will be the same we offer on new time deposits, on the maturity date, which have the same term, minimum balance (if any) and other features as the original time deposit.
• You will have ten calendar days after maturity to withdraw the funds without a penalty.

• Rate Information: Ask a Banker for current interest rate and annual percentage yield. You will be paid the rate of interest until maturity.
• Compounding Frequency: Interest will be compounded monthly.
• Crediting Frequency: Interest will be credited to your account according to the terms in your certificate of deposit document.
• Minimum deposit to open the account: You must deposit $1,000.00 to open this account.
• Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
• Daily balance computatation method: 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.
• Accrual of interest on noncash deposits: Interest begins to accrue on the business day we receive your deposit of noncash items (for example, checks).
• Transaction limitations: You may not make any deposite into your account before maturity. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest credited to your account at any time during the term of the deposit after it is credited to your account.
• Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity): The penalty we may impose is the greater of:
  • A penalty of 180 days interest for withdrawals before maturity.
• Withdrawal of interest prior to maturity: The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
• Automatically renewable time account: This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below) or we receive written notice from you within the grace period mentioned below. If you prevent renewal, interest will not accrue after maturity.
  Each renewable term will be the same we offer on new time deposits, on the maturity date, which have the same term, minimum balance (if any) and other features as the original time deposit.
• You will have ten calendar days after maturity to withdraw the funds without a penalty.