CD Specials

Certificates of Deposit

Account	Certificate of Deposit	Easy Access CD	CDARS® Certificate of Deposit Account Registry Service®	ICS® IntraFi Cash ServiceSM
Description	A great alternative to a traditional savings account. It's ideal if you want a higher rate with a guaranteed return and don't need regular access to your money.	Provides easy access to your money with a short 6 month term. Plus the flexibility to make additional deposits and one withdrawal.	Keep your large deposits safe with access to FDIC protection on multi-million dollar CD investments. Your deposit is placed into certificates of deposit issued by IntraFi's network of institutions.	As an alternative cash management option, with IntraFi Cash Service, you can access millions in FDIC insurance on funds placed into demand deposit accounts, money market deposit accounts, or both at network banks. You will work with just our bank. This option provides flexibility and allows your funds to earn interest with no minimum balance requirements.
Minimum Balance to Open	$500	$500	$10,000	Any Amount
Features	Lock in your interest rate for one month up to five years FDIC Insured Free 24-Hour Easy Phone Banking service You may not make additional deposits into this account Penalty for early withdrawal of funds prior to the maturity date	6 month term FDIC Insured Free 24-Hour Easy Phone Banking service Unlimited deposits of $500 or more One withdrawal of principal, without penalty, during the 6 month term	Choose from a variety of terms to fit your needs Access multi-million dollar FDIC insurance coverage at network banks Work directly with us and earn one interest rate per maturity and receive one regular statement, and one year-end tax form Earns CD-level returns which may compare favorably with other investment alternatives, including Treasuries, corporate sweep accounts, and money market funds The full value of your money can support lending opportunities in your local community¹	Funds are eligible for multi-million-dollar FDIC Insurance. Earn interest on  funds placed into demand deposit accounts, money market deposit accounts, or both Access funds through unlimited program withdrawals (for funds placed in demand deposit accounts) or up to six program withdrawals per month (for funds placed in money market deposit accounts) The full value of your money can support lending opportunities in your local  community¹

¹When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use CDARS and ICS, our bank can use the full amount of a deposit placed through CDARS and ICS for local lending, satisfying some depositors' local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.

Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are place in increments that do not exceed the FDIC standard maximum deposit insurance amount ("SMDIA") at any one destination bank, a depositor's balances at the institution that places deposits may exceed the SMDIA (e.g. before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds.

IntraFi, CDARS, Certificate of Deposit Account Registry Service and ICS are registered service marks, IntraFi Cash Service is a service mark, of IntraFi Network LLC.