CERTIFICATES OF DEPOSIT

• Minimum Opening/ Renewal Deposit of $1,000.00
• Interest Is Compounded Quarterly, Semi-Annually, Or Annually
• Interest May Be Paid By Check, Or Direct Deposit To Checking/Savings Account, Or Added Back To Principal On A Monthly, Quarterly, Semi-Annually Or Annual Basis
• Withdrawal Of Funds Prior To Maturity Incurs A Penalty
  • 1 Year Or Less -- 90 Days Of Interest
  • More Than 1 Year -- 180 Days Of Interest
  • In Death Occurrences, there is no penalty
  • Grace Period Of Ten Calendar Days Granted To Account Holder After Maturity

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Account Disclosures