Certificate of Deposit

Not sure which account is right for you? A certificate of deposit is a secure and safe way to save your money. We encourage a minimum of $500 deposit to open a CD. Here are some benefits of CDs:

  • Competitive rates and flexible terms
  • Bonus rates available with an investment of $25,000 or more

Sprout Savers

Our Sprout Savers CD is a great alternative to savings bonds. This CD is for customers 18 years and younger. This CD does require an adult joint owner with two signatures for withdrawal.

  • Minimum $20 deposit to open
  • Starter savings for customers 18 and younger (3 per minor)
  • Deposits in increments of $20
  • Certificates available in 12, 24 or 36 month terms
  • Automatically renewable
  • Gift receipt available
  • Redeemable with no penalty within 10 days of each maturity or any time after the minor reaches 18
  • Maximum balance of $50,000

16 Month Special

  • 2.00% APY*
  • Effective beginning August 9, 2019
  • APY interest paid semiannually

APY = Annual Percentage Yield. APY accurate as of August 9, 2019. $1,000.00 minimum opening deposit. Maximum $100,000.00. CD automatically renewable for 12 months at the rate in effect at that time. Limit one per household. Not available for institutional funds. A penalty may be assessed for early withdrawal. Fees could reduce earnings. Offer subject to management’s discretion and may be canceled at any time.

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