Certificate of Deposit Features Guide
| Interest Rate |
| APY |
4.20% |
| Term Length |
12 Month |
| Minimum deposit amount |
$1,000.00 |
| Maximum deposit amount |
N/A |
| Balance Requirements |
| Minimum Opening Deposit |
$1,000.00 |
| Minimum Balance to Avoid Fees |
- |
| Minimum Required Balance |
- |
| Fees |
| Early withdrawal penalty |
N/A |
| Monthly Maintenance Fee |
N/A |
| Foreign ATM Fees |
N/A |
| Insufficient Funds Fee |
$30.00 |
| Incoming Wires |
N/A
|
| Account Opening |
| Open Online |
Yes |
| Insured by |
F.D.I.C.
|
| Statements |
| Paper Statements |
Yes |
| Online Statements |
Yes |
| Online and Telephone Banking |
| Online Banking |
Yes |
| Telephone Banking |
Yes |
| Mobile Banking |
Yes |
| Deposit Checks with Mobile Device |
Yes |
| Free Bill Pay |
Yes |
| Online Bill Payments Required |
Yes |
Account Description
• A minimum balance of $1,000 is required to open the Certificate of Deposit.
• No fees..
• Interest will be compounded monthly and credited on the last business day of the month.
• If the account is closed prior to the last day of the month, interest accrued but not credited will be forfeited.
• Interest is calculated by the daily balance method, which applies a periodic rate to the end of day balance in the account each day.
• Interest will begin to accrue no later than the business day we receive provisional credit for the deposit of noncash items (for example, checks) into the account.
Rate History
|
Date
|
APY
|
|
December 23, 2024 |
4.20%
|
|
September 25, 2024 |
4.42%
|
|
September 18, 2024 |
4.84%
|
|
August 24, 2024 |
5.05%
|
|
August 7, 2024 |
5.15%
|
|
August 1, 2024 |
5.26%
|
|
March 14, 2024 |
5.31%
|
|
February 20, 2024 |
5.36%
|
|
August 20, 2023 |
5.35%
|
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