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Certificates of Deposit
Rates effective Monday, February 06, 2012
Rates and terms are subject to change without notice.
For Retirement Accounts and Education Savings Accounts, open a Statement Savings Account with a minimum opening deposit of $250, a Regular Certificate of Deposit with a term of 6, 12, 24 or 60 months with a minimum balance of $500 or any Special Certificate of Deposit with a minimum balance of $1,000 at a term currently available for Special Certificates of Deposit.
Certificates of Deposit |
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| Term3 | Minimum Balance | Interest Rate | APY1 | APY with Checking2 |
| CD Special! 17 months One-time Rate Bump4 | $1,000.00 | 0.90% | 0.90% | 0.99% |
| CD Special! 38 months One-time Rate Bump5 | $1,000.00 | 1.24% | 1.25% | 1.38% |
| 3 months | $500.00 | 0.05% | 0.05% | 0.06% |
| 6 months | $500.00 | 0.20% | 0.20% | 0.22% |
| 12 months | $500.00 | 0.45% | 0.45% | 0.50% |
| 18 months | $500.00 | 0.55% | 0.55% | 0.61% |
| 24 months | $500.00 | 0.70% | 0.70% | 0.77% |
| 30 months | $500.00 | 0.85% | 0.85% | 0.94% |
| 36 months | $500.00 | 0.995% | 1.00% | 1.10% |
| 48 months | $500.00 | 1.44% | 1.45% | 1.60% |
| 60 months | $500.00 | 1.64% | 1.65% | 1.82% |
1 APY=annual percentage yield.
2 The maximum APY with checking rate is paid to qualified customers with an existing checking account with direct deposit or a new checking account with direct deposit established within 30 days of account opening, in conjunction with the CD. If the checking account is Rewards Checking, all account qualifications of Rewards Checking must be met in order to earn the maximum CD APY.
3 At maturity CD Special reverts to our standard 6 month CD product.
4 Your interest rate and annual percentage yield may change after the account is opened. One-time rate bump on the 17 month CD is allowed during the CD term. When exercising the 17 month CD bump option, the APY for the current 12 month CD term will apply.
5 Your interest rate and annual percentage yield may change after the account is opened. One-time rate bump on the 38 month CD is allowed during first 18 months of the CD term. When exercising the 38 month CD bump option, the APY for the current 36 month CD term will apply.
Discover the best way to meet your goals with our handy Savings Calculators.
Qualified checking customers receive an additional 10% of the CD APY on all new regular CD accounts and CD Special accounts. If the checking account is Rewards Checking, all account qualifications of Rewards Checking must be met in order to earn the maximum CD APY.
Call 410.256.5000 or click here to have an account representative contact you.
Annual Percentage Yield (APY) is effective as of the date noted above. Offer subject to change without notice. Interest computed from day of deposit to day of withdrawal, compounded daily and paid monthly. Penalty for early withdrawal.
