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Certificates of Deposit (CDs)


- We require a minimum of $500.00 to open a Certificate of Deposit. Our Certificates have various maturity dates ranging from thirty days to five years. Interest can be paid monthly, quarterly, semi-annually or annually. The interest can also be deposited back to the Certificate, to another account or you can receive it in a check. All Certificates are subject to an early withdrawal penalty. The penalty for a Certificate having a maturity of thirty days to one year is a 30 day simple interest penalty, anything over one year is a 90 day simple interest penalty. 


- Deposit interest rates are established weekly based on existing money market rates and local conditions. For our current Certificate rates please visit one of our Universal Bankers. Certificates are opened on a fixed rate basis, your interest rate will remain the same for the term of the certificate, regardless if the interest rate changes during the time that you have your certificate open.