For regular CDs (other than the Steady Saver CD), you must deposit at least $1,000 and interest is compounded monthly. CDs with maturities of one year or less will have interest credited at maturity. CDs with maturities of over one year will have interest credited annually.

The interest rate on this account is based on our 3 year CD rate. We may change the interest rate on the account quarterly. Interest will be compounded quarterly and credited to the account quarterly. You must maintain a minimum balance of $30 in the account each day to obtain the annual percentage yield. You must deposit $30 to open this account. A minimum of $30 a month must be automatically deposited into this account from a checking or savings account in this bank. Additional deposits can be made at any time prior to maturity, in any amount. You may not make withdrawals from this account until the maturity date.

We offer a variety of investment options for retirement accounts - IRA's, Roth IRA's, KEOGH and SEP, and self-directed retirement accounts.

You must deposit $1,000 to open a CD. On three month and six month CDs, interest will not be compounded and interest will be credited to the account at maturity. All CDs with maturities of one year or more will have interest compounded daily and credited to the account quarterly.

The only fees associated with IRAs are as follows: Rollover Fee: $25 at withdrawal; transfer fee: $25 at withdrawal; IRA self-directed fees: $40 annually; IRA self-directed fees, with purchase outside of bank: $50 annually.

The interest rate on this account is based on our 36 month CD rate. We may change the interest rate on the account quarterly. Interest will be compounded quarterly and credited to the account quarterly. You must maintain a minimum balance of $30 in the account each day to obtain the annual percentage yield. You must deposit $30 to open this account. A minimum of $30 a month must be automatically deposited into this account from a checking or savings account in this bank. Additional deposits can be made at any time prior to maturity, in any amount. You may not make withdrawals from this account until the maturity date.

* Rates for these accounts are listed on the Rates page.