Certificates of Deposit Facts and Fees

Don’t get taken by surprise—explore the facts and fees associated with our CDs.

FactsFee
Early Withdrawal Penalties
If you cash the CD out earlier than the term limit you agreed to, you’ll incur a penalty fee
CD Term Less than 12 months
(3 month CD, 6 month CD, 9 month CD)

3 months simple interest on the amount withdrawn
CD Term 12 - 35 months
(12 month CD, 13 month CD, 2 Year CD, 30 month CD)

6 months simple interest on the amount withdrawn
CD Term 36- 48 months
(3 Year CD, 4 Year CD)

12 months simple interest on the amount withdrawn
CD Term 49 - 83 months
(5 Year CD)

18 months simple interest on the amount withdrawn
CD Term 84 months or greater
(7 Year CD, 10 Year CD)

24 months simple interest on amount withdrawn
Account Services
Cashier's Check Fee (customers only)
A check that’s guaranteed by our bank
$5.00
Account Reconciliation Assistance
What we charge to help you balance your checkbook
$30.00 per hour ($30 minimum charge)
Account Research
What we charge if you request us to research your account
$30.00 per hour plus costs ($30 minimum charge)
Foreign ATM Usage
$3.00 per transaction
Foreign Currency Conversion
2%*

Wire Transfers

Another way to send money from one account to another
Wire Transfer Fee (incoming, domestic)
$0.00
Wire Transfer Fee (outgoing, domestic)
$20.00
Wire Transfer Fee (incoming, international)
$0.00
Wire Transfer Fee (outgoing, international)
$35.00
OPEN A CD


*We may charge an international service fee equal to 2% of the amount of the transaction on any international transaction, such as a withdrawal from an ATM outside the United States (for example, an internet purchase from a foreign merchant). This fee applies regardless of whether the transaction occurs in U.S. Dollars.



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