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A Certificate of Deposit is a safe, secure investment for the funds you want to protect from market fluctuations.

• Terms range from 14 days to 42 months
• Competitive, guaranteed interest rates calculated and compounded daily
• Payment options vary, including monthly, quarterly, semiannually, annually or at maturity
• CDs can automatically renew for continuous earning power
• Free 24-hour InfoLine bank-by-phone
• Withdrawals only permitted at maturity without substantial penalty

Opening minimum deposits vary from $1,000 for regular CDs, to $50,000 for mini-jumbo CDs, to $100,000 for jumbo CDs.

Penalty for early withdrawal:

• If CD term is 89 days or less, penalty is one month of interest on amount withdrawn.
• If CD term is 90 days or more, but less than one year, penalty is three months of interest on amount withdrawn.
• If CD term is one year or more, penalty is six months of interest on amount withdrawn.