• A certificate of deposit provides a secure and reliable investment for your money.


  • 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.
  • Interest will be compounded and credited to your account at maturity.
  • These certificates may be automatically renewable or single maturity at the option of the customer.
  • We do not pay interest after the maturity date of a non-automatically renewable CD.
  • You will have ten (10) calendar days after the maturity date to withdraw funds without being charged a penalty for an automatically renewable CD.


  • To open your account you must deposit a minimum of $1,000.00
  • A $1,000.00 minimum balance is required to obtain the Annual Percentage Yield (APY).
  • Interest begins to accrue on the business day you deposit cash or noncash items.
  • After the account is opened, you may not make additional deposits.


  • We may impose a penalty if you withdraw any funds before the maturity date.
  • The fee imposed will equal 30 days of interest.
  • We do not pay interest during the grace period if the CD is cashed.
default photo

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NON-INTEREST-BEARING TRANSACTION ACCOUNTS: By operation of federal law, beginning January 1, 2013 funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category. For more information, visit