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Certificates of Deposit


Are you considering a safe, conservative deposit investment with a guaranteed return that is FDIC insured?

Our Certificates of Deposit are just what you're looking for!
Featuring competitive interest yields and available in terms ranging from as few as 3-months to 5 years, we offer an option that will fit any budget or plan.

"Silver Hawk Club" members earn an additional .25% APY on our advertised CD Rates!

Call or visit the Customer Service Department at any of our locations today, or click on the Current Interest Rates link to check out our current offerings.

Certificates of Deposit
  • The interest rate for your account is fixed and will be paid until the maturity date of your certificate. The maturity date of your certificate is listed on the Rate and Information Sheet.
  • Interest will be compounded quarterly for the
    3-month, 6-month, 1-year, 1½-year, 2-year, 2½-year, 4-year and 5-year CDs.
  • Interest will be credited to your account at your discretion, dependent upon the term of the CD you purchase, either monthly, quarterly, semi-annually, annually or at maturity.
    (Please see below for a complete explanation of interest payment options.)
  • Interest begins to accrue no later than the business day you make your deposit.
  • The interest accrual method is 365/365 days.
  • This account will automatically renew at maturity. You will have ten (10) calendar days from the maturity date to withdraw your funds without being charged a penalty by the bank.
  • After the account is opened, you may not make deposits into or withdrawals from this account until the maturity date.
  • The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • We use the daily balance method to calculate the interest on your account.
    This method applies a daily periodic rate to the principal in the account each day.
  • If any of the principal is withdrawn before the maturity date, a penalty as shown below based on the balance at withdrawal, may be imposed: ../images/perbank/cds_rates.jpg
    Term Early Withdrawal Penalty
    3-month CD 90-days interest
    6-month CD 90-days interest
    1-year CD 90-days interest
    1½-year CD 180-days interest
    2-year CD 180-days interest
    2½-year CD 180-days interest
    4-year CD 180-days interest
    5-year CD 180-days interest
  • 3-month, 6-month, 1-year, 1½-year, 2-year, 2½-year , 4-year and 5-year CDs have the following interest payment options: quarterly, semi-annually or annually as an add on to a new or renewed certificate, by check or as a deposit to checking or savings. Interest has to be paid at least annually.

    Interest has to be paid at least annually. At maturity, interest can be paid by check, or as a deposit to checking or savings.


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