Certificates of Deposit

Current Rates (Effective  April 1, 2014)


 

Certificate
Term
Minimum
to Open
Annual %
Yield
Interest
Rate




3 Months $2500 0.05% 0.05%
6 Months $1000 0.20% 0.20%
9 Months $1000 0.20% 0.20%
12 Months $1000 0.45% 0.45%
18 Months $1000 0.60% 0.60%
30 Months $1000 0.75% 0.75%
36 Months $1000 0.90% 0.90%
IRA (18 Mo.) $1000 0.75% 0.75%
Roth IRA (18 Mo.) $1000 0.75% 0.75%
.
Young America (36 Mo.)
(age 18 and under)
$100 1.31% 1.30%
.

An IRA is a variable rate account.
Substantial penalty for early withdrawal of CDs.  The Annual Percentage Yield assumes interest remains on deposit until maturity.   A withdrawal could reduce earnings.

 

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