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Glossary

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Certificate of Deposit (CD)

CDs are excellent savings tools with options to fit your specific goals. You can easily keep your money safe for a fixed amount of time, while earning a higher interest rate than a checking or savings account. We make it simple to open and manage a CD.

How a CD Works

There are term lengths for CDs ranging from 7 days to 60 months, all insured by the FDIC. Once the term is over, you can withdraw your initial amount plus the accrued interest, or you can roll the entire balance over into a new CD.

CD Options

We offer the following CDs:

  • Regular Certificates, terms from 7 days to 60 months
  • No Penalty Certificates, terms from 5 to 10 months
  • Add-On Certificates, terms from 9 to 12 months
  • Variable Certificates, terms from 13 to 24 months

What You Get from Us

  • Quick setup and easy management
  • Detailed statement
  • 10-day grace period at maturity, with automatic renewal afterwards
  • Free Online Banking
  • Interest paid on balance and either credited to your account or paid by check, whichever you prefer

Money Market Accounts

Keeping access to your funds while they earn interest is a flexible way to save. With our Money Market accounts, you can write checks or make online transfers and earn interest based on your account balance.

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Brokerage Services

Take advantage of our relationship with Raymond James Financial Services, Inc. and the complete spectrum of brokerage and financial advisory services we can offer.

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Individual Retirement Plans (IRAs) – Deposit Based

Support your retirement goals with an IRA. We offer various options and will help you select an IRA that suits your needs. You can benefit from potential tax advantages, save money for retirement, and grow your funds.

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