Online Banking Login Security Statement

Certificates of Deposit

Non Flex Certificate 3 & 6 months - Consumer, IRA Consumer & Business

Rate information - Contact Customer Service to obtain current rate information. You will be paid this rate until next maturity.
Compounding frequency-Interest will be compounded quarterly.
Crediting frequency - Interest will be credited into this account quarterly.
Time requirements- Your account will mature on a date according to your period choice and will be given at the time of purchase.
Early withdrawal penalties (a penalty will be imposed for withdrawals before maturity) – The penalty will equal three months interest on the amount withdrawn subject to penalty. In certain circumstances, such as the death or incompetence of an account owner, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
Withdrawal of interest prior to maturity- The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings. (This disclosure statement pertains to Consumer & Consumer IRA accounts only.)
Automatically renewable account- Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written notice from you before maturity (or during the grace period) of your intention not to renew.
Final maturity- At final maturity, if your account is not renewed, the funds will be paid out according to your directions.
Daily balance computation method- Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits- Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Minimum balance to open- The minimum balance required to open this account is $100.00.
Deposit limitations- After the account is opened, you may not make any deposits.
Withdrawal limitations-You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest anytime during the term after it is credited to your account.

Flex Certificate 12 months – Consumer, IRA Consumer & Business

Rate information- Contact Customer Service to obtain current rate information. The interest rate and annual percentage yield may change. We will not change the rate on your account during the term of the account, but you may change the rate as described below.
Compounding frequency-Interest will be compounded quarterly.
Crediting frequency- Interest will be credited into this account quarterly.
Exchange rate plan- You have the option during each term of this account to exchange your interest rate for a new interest rate. The new interest rate will be the interest rate we are then offering on any other time account with a term equal to the original term of this account provided you meet all other qualifying terms and conditions for the time account chosen.  This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled.  You may exercise this option once during each term (the original term and each renewal term).
Time requirements-Your account will mature on a date according to your period choice and will be given at the time of purchase.
Callable account-We may call (terminate) this account, at our option with a 30 day notice.
Early withdrawal penalties (a penalty will be imposed for withdrawals before maturity) - The penalty will equal three months interest on the amount withdrawn subject to penalty. The interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. In certain circumstances, such as the death or incompetence of an account owner, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
Withdrawal of interest prior to maturity- The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings. (This disclosure statement pertains to Consumer & Consumer IRA accounts only.)
Automatically renewable account-Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written notice from you before maturity (or during the grace period) of your intention not to renew.
Final maturity- At final maturity, if your account is not renewed, the funds will be paid out according to your directions.
Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits- Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Minimum balance to open- The minimum balance required to open this account is $100.00.
Deposit limitations- After the account is opened, you may not make any deposits.
Withdrawal limitations- You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest anytime during the term after it is credited to your account.

Flex Certificate - 24, 36, 48 & 60 months – Consumer, Consumer IRA & Business

Rate information-Contact Customer Service to obtain current rate information.
The interest rate and annual percentage yield may change. We will not change the rate on your account during the term of the account, but you may change the rate as described below.
Compounding frequency-Interest will be compounded quarterly.
Crediting frequency-Interest will be credited into this account quarterly.
Exchange rate plan- You have the option during each term of this account to exchange your interest rate for a new interest rate. The new interest rate will be the interest rate we are then offering on any other time account with a term equal to the original term of this account provided you meet all other qualifying terms and conditions for the time account chosen. This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled. You may exercise this option once during each term (the original term and each renewal term).
Time requirements-Your account will mature on a date according to your period choice and will be given at the time of purchase.
Callable account-We may call (terminate) this account, at our option with a 30 day notice.
Early withdrawal penalties (a penalty will be imposed for withdrawals before maturity)- The penalty will equal six months interest on the amount withdrawn subject to penalty. The interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. In certain circumstances, such as the death or incompetence of an account owner, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.
Withdrawal of interest prior to maturity-The annual percentage yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings. (This disclosure statement pertains to Consumer & Consumer IRA accounts only.)
Automatically renewable account- Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the interest rate will be the same we offer on new certificate of deposit accounts on the maturity date which have the same term, minimum balance (if any) and other features as the renewed certificate of deposit account. You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period) or we receive written notice from you before a maturity (or during the grace period) of your intention not to renew.
Final maturity-At final maturity, if your account is not renewed, the funds will be paid out according to your directions.
Daily balance computation method-Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of interest on noncash deposits- Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
Minimum balance to open-The minimum balance required to open this account is $100.00.
Deposit limitations- After the account is opened, you may not make any deposits.
Withdrawal limitations- You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest anytime during the term after it is credited to your account.

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