• Interest rates for new deposits and for renewing certificates are set on the second business day of each week and reflect current market conditions.
• Certificates of Deposit are automatically renewable, but can be cashed within ten days after maturity without a penalty.
• Interest is calculated on a 365 day year.
• Early Withdrawal Penalties: Time Certificates of Deposit (TCD’s) with an original maturity term of 12 months or less bear a penalty of three (3) month’s interest. TCD’s with an original maturity term of longer than 12 months and up to, and including, 24 months bear a penalty of six (6) month’s interest. TCD’s with an original maturity term of longer than 24 months and up to, and including 36 months bear a penalty of nine (9) month’s interest. TCD’s with an original maturity term of longer than 36 months bear a penalty of twelve (12) month’s interest. No brokered CD’s accepted.
• Loans are available which can be secured by a Jones National Bank Certificate of Deposit. Visit with one of our Loan Officers to find out about this option. The interest rate on these loans is three percent above the rate being paid on the certificate.
• Interest rates for Certificates of Deposit of $100,000.00 or more are available upon request. These certificates can have a maturity of 7 days or more; they are frequently written for 30, 60, 90 days, or more.

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