Certificate of Deposit Features Guide
| Interest Rate |
| APY |
4.25% |
| Term Length |
12 Month |
| Minimum Deposit Amount |
$25,000.00 |
| Maximum Deposit Amount |
N/A |
| Balance Requirements |
| Minimum Opening Deposit |
$25,000.00 |
| 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 |
$37.00 |
| Incoming Wires |
$15.00 |
| 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 $25,000 minimum deposit is required to open an account and in order to earn the advertised APY.
• The maximum amount allowed per client is $500,000.
• Guaranteed return.
• Automatic Renewal.
• FDIC insurance up to the maximum allowable.
• A penalty fee may be imposed for early withdrawal of CDs.
Rate History
|
Date
|
APY
|
|
April 18, 2025
|
4.25%
|
|
March 18, 2025
|
4.41%
|
|
February 26, 2025
|
4.46%
|
|
August 07, 2024
|
4.50%
|
|
March 05, 2024
|
5.35%
|
|
December 15, 2023
|
5.50%
|
|
August 25, 2023
|
5.65%
|
|
August 20, 2023
|
5.46%
|
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