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Certificates of Deposit & IRAs

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Certificates of Deposit (CD’s) and IRA’s offer a fixed rate of interest over a set period of time.  CD’s and IRA’s are available with a minimum deposit of $500, with maturities of 91 days, 182 days, 9, 12, 15, 18, 21, 24, 30, 36, 42, 48 and 60 months.

The following terms and conditions are applicable for CD’s and IRA’s:
  • Interest rates for new deposits and for renewing certificates are set weekly and reflect current market conditions.
  • Interest is calculated on a 365-day year.  On 182-day, 9, 12, 15, 18, 21, 24, 30, 36, 42, 48 and 60 month certificates, the interest can be compounded quarterly or interest can be paid to customer by check or direct deposit.
  • Certificates are automatically renewable, but can be cashed within 10 days after maturity without a penalty.
Early Withdrawal Penalties (Based on original maturity term of the CD)

Early Withdrawal Penalties (Based on original maturity term of the CD)

12 Months or Less3 Months Interest
Greater than 12 Months through and including 24 Months6 Months Interest
Greater than 24 Months through and including 36 Months9 Months Interest
Greater than 36 Months12 Months Interest

Refer to account disclosures for complete information regarding terms and conditions.

View current CD & IRA Interest Rates

Please call 402-643-3602 and speak with a Personal Banker about all our Deposit Products!