Promotional CD

Rate Information - Your Certificate Account will mature on the maturity date set forth on your account receipt or renewal notice.
Compounding frequency - Unless otherwise paid, interest will be compounded every month.
Crediting frequency - Interest will be credited to your account every month. Alternatively, you may choose to have interest paid to you or to another account every month rather than credited to this account.
Minimum balance requirements: Please refer to the Certificate of Deposit receipt that you received at account opening.
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.
Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) – -If your account has an original maturity of less than one year: The penalty we may impose will be 90 days of interest, WHETHER EARNED OR NOT. -If your account has an original maturity of one year or more: The penalty we may impose will be 180 days of interest, WHETHER EARNED OR NOT.
Time requirements - Please refer to the Certificate of Deposit receipt that you received at account opening.

Promotional CD Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -If your account has an original maturity of less than six months: The penalty we may impose will be 90 days of interest, WHETHER EARNED OR NOT. -If your account has an original maturity of six months or more: The penalty we may impose will be 180 days of interest, WHETHER EARNED OR NOT.
Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) to your account.
Transaction limitations: After the account is opened, you may not make deposits into the account until the maturity date stated on the account. If this account is an IRA Certificate, you may make no more than one addition into your account per year and no additions can be made in the last seven days before maturity. The minimum amount you can deposit is $500. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty.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 a credit union penalty. However an early withdrawal penalty from IRS may apply. You can withdraw interest anytime during the term of crediting after it is credited to your account..

13-Month CD Special

Minimum amount to open certificate is $500
Insured: CDs are federally insured by the NCUA up to $250,000 for each deposit or for all combined deposits

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