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Certificates of Deposit

Term Dividend Rate APY* Minimum Balance
6 Months 1.244% 1.25% $1,000
12 Month Super Saver Certificate** 1.490% 1.50% $500
12 Month Save To Win Certificate*** 1.243% 1.25% $25
12 Month Youth Certificate 1.736% 1.75% $250
12 Month 1.736% 1.75% $1000
18 Month 1.785% 1.80% $1000
24 Months 2.227% 2.25% $1,000
36 Months 3.057% 3.10% $1,000
48 Months 3.154% 3.20% $1,000
60 Months 3.203% 3.25% $1,000

*APY = Annual Percentage Yield

**Additional Super Saver deposits not to exceed $50,000 in aggregate per Certificate. Maximum number of Super Saver Certificates is limited to TWO per Social Security number.

*** Additional deposits can be made throughout the term of the certificate. Maximum number of Save To Win Certificates is limited to ONE per Social Security number. See full disclosures for specific Save To Win CD details.

CD Early Withdrawal Penalties:

  • CDs with a maturity of 12 months or less: the penalty will be equal to 90 days interest (whether earned or not);
  • CDs with a maturity of 18, 24, 36, or 48 months: the penalty will be 180 days interest (whether earned or not);
  • CDs with a maturity of 60 months or more: the penalty will be one year of interest (whether earned or not);
  • Twelve Month Save To Win CDs: the penalty will be equal to $25.
  • Note: If the interest penalty exceeds the interest earned, the difference shall be deducted from the principal amount.
The dividend rate is subject to change without notice.

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Savings Service Charges

Excessive withdrawals on a Money Market account
(more than 6 withdrawals per month)
$3.00 per item
HSA set-up fee $20.00
IRA Savings inactivity fee (reviewed for activity between January 1 and December 31 each calendar year), effective for accounts with a balance less than $1,000.00 $40.00
IRA Certificate & Passbook closeout charge $25.00

See our Fee Schedule for other fees that may be assessed with your savings account.