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Home > Personal Banking Print-friendly version

Retirement Certificates of Deposit

Save for your retirement and enjoy the flexibility of a fixed or adjustable rate account.

Our current interest rates are below:

Rates Effective October 8, 2008 - October 14, 2008
(unless otherwise indicated)

Retirement Certificates of Deposit
Length of Certificate Interest Rate APY* Min Deposit
(to open account)
Min Balance
(to obtain APY)
3-5 months 2.40% 2.43% $250.00 $10.00

6-11 months 2.90% 2.94% $250.00 $10.00

12-23 months 3.30% 3.35% $250.00 $10.00

24-35 months 3.50% 3.56% $250.00 $10.00

36-47 months 3.50% 3.56% $250.00 $10.00

48-59 months 3.50% 3.56% $250.00 $10.00

60-71 months 3.50% 3.56% $250.00 $10.00

12-18 months - adjustable rate 3.30% 3.35% $10.00 $10.00

*Annual Percentage Yield

Key Features:

  • $250.00 minimum balance required to open and maintain a fixed rate account
  • $10.00 minimum balance required to open and maintain a adjustable rate account
  • Competitive interest rates
  • Interest is compounded and paid monthly
  • Flexible payment options for customers taking distributions
  • Adjustable rate terms from 12 to 18 months
  • Fixed rate terms from 3 to 71 months
  • Withdrawal without penalty for participants age 59 1/2 or older
  • Traditional and Roth IRAs available
  • Fully insured deposits

Services Charges:

  • Yearly Maintenance Fee: $10.00
  • Penalties apply for early withdrawal
  • Up to two yearly maintenance fees waived with Freedom Gold Checking Account


All of our deposits are insured in full by a combination of insurance provided by the FDIC and DIF. See your combined disclosure book for complete FDIC and DIF insurance coverage information. 

Rates are subject to change.

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