Certificates of Deposit 
Certificates of Deposit offer an excellent investment choice.  They provide a convenient and safe harbor for your savings. With flexible interest options like ours your earnings can compound and grow or be used as supplemental income.  We have a variety of terms to best fit your goals and maximize your return. 

  • Competitive rates are offered on the full range of maturities.  The interest rate is locked for the term you choose.  Ask your account representative how you can earn an additional rate increase.
  • Certificates will automatically renew at maturity for the same term and then current rate.
  • Interest can be paid monthly or at maturity.
  • Interest can be paid by check, deposited into a checking or savings account, or credited directly back to your certificate.
  • Certificates of deposit are insured by the Federal Deposit Insurance Corporation (F.D.I.C.)
    Individual Retirement Account 
    As a community bank, the financial well being of the citizens in the communities we serve is important to us.  We appreciate every opportunity to assist you with both Traditional and Roth IRAs.  
  • Guaranteed yields
  • Clear notices of earnings
  • Flexible terms
  • Rollovers, transfers and contributions into our certificates of deposit six months or greater
  • IRAs are insured by the Federal Deposit Insurance Corporation (F.D.I.C.)
    Traditional IRA 
    The Traditional IRA allows you to defer taxes on the earnings on your contributions until they are withdrawn. 
    Roth IRA 
    The Roth IRA allows only nondeductible contributions and features tax-free withdrawals for certain distribution reasons after a five year holding period. Since Roth IRA contributions are nondeductible and taxed in the year they are earned, if you expect to be in a higher tax bracket when you retire, you may benefit more from a Roth IRA than from a traditional IRA. 
    See current CD/IRA rates 
    Coverdell Education Savings Account (CESA) 
    The Coverdell Education Savings Account is a nondeductible account that features tax-free withdrawals for a very specific purpose – a child’s education expenses. 
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